ATTENTION! Before using the Yandex.Money Service please read carefully the full terms and conditions of the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service. All transfers of funds made using the Yandex.Money Service are subject to the terms and conditions of this Agreement. If you do not fully accept the terms and conditions of the Agreement, do not make funds transfers using the Yandex.Money Service.

The text of the Agreement below is addressed to natural persons 14 years and older and is an official public offer by the NBCO Yandex.Money LLC to enter into the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service on the terms and conditions stipulated by the Agreement.

The Agreement shall be deemed entered into and having the force of an adhesion contract from the moment you complete the actions set out in Section 11 of this Agreement and implying your full and unconditional acceptance of all the terms and conditions of this Agreement without exceptions and/or limitations.

Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

1. General Provisions

The present document, ‘Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service’, (the ‘Agreement’) shall determine the terms and conditions of making funds transfers without opening a bank account and using electronic payment instruments when using the Yandex.Money Service, and, in accordance with Article 437 of the Civil Code of the Russian Federation, is an official written public offer by the limited liability company non-bank credit organization Yandex.Money (OGRN 1127711000031, INN 7750005725, license for performing banking transactions No 3510-K dated 27.03.2015), hereinafter referred to as the NBCO, addressed to natural persons of 14 years and older for the opportunity to use the Yandex.Money Service on the terms and conditions stipulated by the Agreement.

If jointly referred to in the text of the Agreement, the NBCO and the Client shall be called ‘the Parties’ and each of them separately, ‘the Party’.

Each Party shall warrant the other Party that it possesses adequate legal and physical capacity, as well as the rights and authorities necessary and sufficient to execute and fulfill the Agreement in accordance with the terms and conditions hereof.

The effective version of the Agreement shall always be available on the NBCO’s Website and as a matter of course shall be provided to the Client for reading before they accept the terms and conditions of the Agreement.

2. Terms and Definitions Used in the Agreement

2.1. For the purposes of the Agreement the below terms shall have the following meanings:

Authorization Data—the data that allow for Authentication of the Client. By default, the Authorization Data are the Client’s username (primary username and, if relevant, additional username) and password. Other types of Authorization Data can be used in the instances stipulated by this Agreement. The NBCO at its sole discretion shall have the right to demand the Client to use additional Authorization Data (payment password or one-time password).

NBCO Agent—a banking agent engaged by the NBCO to perform the following actions (each of them separately or in any combination): — accept physical cash from the Client and (or) distribute physical cash to the Client, including during transactions involving payment terminals and ATMs; — provide the Clients with electronic payment instruments and the opportunity to use said electronic payment instruments in accordance with the terms and conditions established by the NBCO; — perform the Client’s Identification and Wallet Reviewing for the purposes of making funds transfers without opening a bank account in accordance with the requirements of the Russian Federation law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism.

Authentication — confirmation of the Client’s right to access the Wallet within the framework of the procedure stipulated by this Agreement. Authentication of the Client for the purposes of performing transactions using the Wallet is implemented by the NBCO’s software based on the Authorization Data entered by the Client.

Wallet Blocking—a restriction imposed on funds transfers using the Wallet without opening a bank account by the Client's order; and in the cases stipulated by the Agreement, as well as an additional prohibition increases to the Client's balance of E-money.

Refund of the E-money Balance—an operation of decreasing the Client's E-money balance for transferring the corresponding amount to a bank account, charging this amount against fulfilling the Client's liabilities to the credit organization, transferring this amount without opening a bank account, or withdrawing this amount in cash.

Virtual Account—an account in the NBCO’s database that contains information on the E-money balance documented for the respective Wallet at any given moment, on the history of funds transfers, and other information.

Identification — a special procedure wherein the NBCO’s Client provides information required by the Russian Federation law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism. Following the Identification procedure the Client is given the status of an identified Client. A Client who has not gone through the Identification process has the status of an unidentified Client. Detailed information on the methods of Identification is available on the NBCO’s Website.

Client — a natural person over 14 years of age who has accepted this Agreement in accordance with all its terms and conditions.

Wallet — an electronic means of payment intended to allow the Client to transfer funds without opening a bank account, including making payments with E-money. The Wallet is a computer program whose interface is posted and/or available on the Internet on the NBCO’s Website and is displayed by means of a program for viewing websites (browser) or a special application (if the Wallet is accessed from a mobile device). Upon creation, each Wallet is assigned a unique number corresponding to the number of the respective contract with the Client and the number of the Virtual Account.

Non-residents — natural persons who are not Residents.

NBCO—limited liability company non-bank credit organization Yandex.Money, located at 11 Timura Frunze ulitsa, building 44, Moscow, Russia, authorized by the Bank of Russia's license no. 3510-K for performing the following banking operations in rubles and other currencies: — starting and maintaining bank accounts for corporations; — executing transfers by corporations' order, including correspondent bank's orders, for their accounts; — purchase and sale of foreign currency by wire transfers; — performing transfers without opening bank accounts, including e-money (excluding transfers by regular mail).

Termination of Wallet Use — the complete irreversible suspension of any transactions using the Wallet.

Residents — natural persons recognized as such in accordance with the Russian Federation law On Currency Regulations and Currency Control.

NBCO’s Website—the website located on the Internet at the address https://money.yandex.ru/, where the interface of the Client’s electronic means of payment is posted or available, as well as where the information on the NBCO and the Yandex.Money Service is posted.

Yandex.Money Service — the set of services provided by the NBCO to the Clients that facilitate funds transfers without opening a bank account and provide electronic payment instruments. A description of the Yandex.Money Service and other information is posted on the NBCO’s Website.

Support Service — the department of the NBCO that communicates with the Client, upon the request of the Client (via telephone or email with participation of the operator—the NBCO's employee), which, among other things, blocks the Wallet upon the Client's request.

Inactive Client Status—a status prescribed by the NBCO to the Client who has failed to perform any of the actions specified in Sub-clause 4.29 herein for 2 (two) years or more with his or her Wallet.

Fees — the schedule of types and amounts of remuneration collected by the NBCO for processing electronic funds transfers and other transfers made without opening a bank account, facilitating use of the Wallet, including activating of additional services.

Technical Overdraft — The overdraft of the Client’s Virtual Account resulting from one or more of the following occurrences: a technical error made by the NBCO; when the Client transfers the balance of his Virtual Account with the NBCO to a bank card issued by an international payment system and the total sum charged from the Virtual Account after the transaction is processed by the payment system exceeds the original sum requested for transfer; and/or as the result of special rules of the international payment system the NBCO is faced with an unconditional obligation within the payment system to reimburse the amount of a transaction without the ability to check the Client’s E-money balance or regardless of the results of such check.

Wallet Reviewing—a special procedure wherein the Client, a citizen of the Russian Federation, provides the NBCO with information required by the Russian Federation’s law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism and the credibility of this information is confirmed by one of the methods stipulated by the legislation. Based on the results of the Wallet Reviewing procedure, the Client is not assigned the identified user status and he remains unidentified. Detailed information about methods of the Wallet Reviewing procedure is available on the NBCO's website.

Loss of Access — the loss of access to the Wallet for any reason (including transfer of Authorization Data to third parties and illegal acquisition of Authorization Data by third parties).

E-money (Electronic Funds) — funds which are provided in advance by the Client to the NBCO for fulfillment of the Client’s obligations to third parties and which the Client manages by issuing orders via the Wallet.

This Agreement may include terms that haven’t been defined in this Section (Section 2). In those instances, such terms shall be interpreted according to the text of this Agreement. Should there be no definite interpretation of the term in the text of this Agreement, the following interpretation of the term shall apply: first, as defined on the NBCO’s Website, second, as defined by the legislation of the Russian Federation, and third, as established on the Internet.

3. Subject of the Agreement

3.1 This Agreement shall determine the conditions and procedure for the NBCO’s rendering of the following services to the Client: 3.1.1. providing the Client with an electronic payment instrument; 3.1.2. accepting incoming funds; 3.1.3. crediting E-money; 3.1.4. executing the Client’s orders concerning E-money transfers; 3.1.5. returning the E-money balance; 3.1.6. performing other transactions using the Wallet that come within the purview of this Agreement.

3.2. The NBCO shall provide services to the Client twenty-four hours a day, seven days a week. Actions made in fulfillment of this Agreement that are not performed in automatic mode except for Support Service operations shall be performed by the NBCO on business days recognized as such in accordance with the legislation of the Russian Federation.

3.3. Settlements with the Client shall be effected in rubles. In case of accepting funds in a currency other than rubles, the NBCO shall convert them into rubles at the currency exchange rate established by the Russian Federation Central Bank as of the day when the Client’s order was executed and reduced by 2%.

3.4. The terms and conditions of rendering NBCO's additional services activated by the Client (throughout the entire period of the Client’s use of the corresponding additional services), as well as the Fees, are integral parts of this Agreement. Relations of the parties are also regulated by the Agreement on General Terms and Conditions of the Yandex.Money Service posted on: https://money.yandex.ru/doc.xml?id=527708.

4. Provision of the Wallet and Procedure of its Use

4.1. The NBCO, depending on whether or not the Client has completed the Identification process, shall provide the Client with the option of using one of the following: — non-personalized Wallets (if the Client hasn’t completed the Identification process or Simplified Identification process);— non-personalized reviewed Wallets (if the Client has completed the Wallet Reviewing process;— personalized Wallets (if the Client has completed the Identification process).

4.2. When entering into this agreement, except for the case stipulated by Sub-clause 4.3. hereof, the Client is provided with a non-personalized Wallet.

4.3. In the case of entering into this Agreement by an identified Client of LLC PS Yandex.Money in connection with the latter transferring its rights and obligations under the contract with the Client to the NBCO, said Client shall be provided with a personalized Wallet.

4.4. The moment the Client is provided with a Wallet shall be the moment when the Client performs the last of the implicated actions stipulated by Section 11 hereof required for entering into this Agreement.

4.5. The moment when a non-personalized Wallet receives the status of a personalized one shall be the moment when, via the Wallet, the Client confirms the accuracy of their identification data previously provided by the Client to the NBCO by one of the methods stipulated by Sub-clause 9.2. hereof.

4.6. Access to the Wallet and performance of any transactions using the Wallet shall be possible only after the Client’s Authentication.

4.7. The Client’s Authentication when accessing the Wallet shall be implemented by the NBCO’s software using the Client’s Authorization Data.

4.8. The Client’s Authorization Data (login(s) and password(s)) shall be created by the Client themselves. If the Client uses an additional login, the NBCO shall provide the Client with the possibility to manage their Wallet using such an additional login to the same extent as they could have done using their primary login. The password and payment password may be changed at any moment and an unlimited number of times.

4.9. The use of Authorization Data other than login(s) and password(s), as well as any changes thereof shall be permitted: 4.9.1. If the Client accesses their Wallet using mobile applications determined by the NBCO. In this case, the Client using such a mobile application and having completed Authentication by the general procedure therein shall independently create, in the corresponding form of the mobile application, a passcode in the format specified by the NBCO. Said passcode shall become the only means of Authentication to access the Client's Wallet using this mobile application from the moment the Client confirms that the passcode they created is correct. The passcode provided for herein can be used an indefinite number of times and may be changed, including if lost, by the method stipulated herein for initial passcode creation; 4.9.2. If the Client performs a debit operation using a pre-paid Yandex.Money Bank Card; 4.9.4. If the Client sends an SMS text message with a confirmation code from the number linked to the Virtual Account in accordance with Appendix No. 4 hereto. In this case, the NBCO sends an SMS text message to the Client's linked phone number with information about the good/service that is being paid for, the transfer amount and a transfer confirmation code. The Client's SMS text message reply that includes a transfer confirmation code shall be acknowledged by the Parties as the Authenticated Client's order of payment for goods/services specified by the NBCO in the SMS text message. The mobile telephone communications operator may charge fees for sending SMS text messages. Such a fee is paid by the Client separately in accordance with the agreement entered into between the Client and the mobile telephone communications operator. Such Authentication method is only applied in the cases specified by this Agreement or described on the Operator's Website. The Client may contact the Support Service with a request to decline to use such Authentication method.

4.10. Changing the password(s) shall be permitted conditional upon the Client’s entering the correct current password(s).

4.11. The Client shall be fully responsible for keeping their Authorization Data secret. Any actions with the Wallet performed using the correct Authorization Data shall be recognized as being performed by the Client with the exceptions stipulated by federal law.

4.12. In the case of loss of access by the Client, the NBCO shall provide the Client with an opportunity to restore access to the Wallet, more specifically, by the following methods: 4.12.1. by entering the correct recovery code for the payment password previously created by the Client for the given Wallet when provided with such an opportunity by the NBCO; 4.12.2. by entering the recovery code requested by the Client from the NBCO issued to the Client as an SMS text message to the cell phone number previously linked by the Client to the given Wallet; 4.12.3. via submission by an identified Client of the appropriate application as per the form established by the NBCO to any NBCO office (office of an entity authorized by the NBCO) with presentation by the Client of an acceptable form of identification; 4.12.4. via submission by an unidentified Client of the appropriate application as per the form established by the NBCO to any NBCO’s office (office of an entity authorized by the NBCO) with concurrent demonstration of the documents required for the Client’s Identification and of proof that the Client possesses and has used the Wallet, access to which needs to be recovered, for example, provision of a list of the recent transactions made using the Wallet; the sufficiency of said proof shall be determined exclusively at the discretion of the NBCO; 4.12.5. by the Client’s ensuring receipt by the NBCO of the application specified in Sub-clauses 4.12.3. or 4.12.4. hereof, provided the Client’s signature on said application is notarized; 4.12.6. by another method agreed upon by the NBCO and the Client.

4.13. The NBCO shall be entitled to establish requirements for the methods of recovering access to the Wallet depending on the type of Wallet used and additional services provided to the Client as agreed upon by the Parties.

4.14. The NBCO shall be entitled to decline the Client’s request to recover access to the Wallet in the following cases: 4.14.1. If the Client has provided data for recovering access to a personalized Wallet different from those data registered with the NBCO that were received during the Client’s Identification; 4.14.2. If, following consideration of the appropriate request for recovering access to a non-personalized Wallet, it is not confirmed that this Wallet belongs to the person that has requested recovery of access to it; 4.14.3. information about the Client's identity, which is provided through the Identification, does not match with the details provided earlier through the Simplified Registration procedure for one and the same Wallet.

4.15. The NBCO shall be entitled to implement Wallet Blocking of the Client’s Wallet: — at the initiative of the authorized governmental agencies;— at the initiative of the Client;— at its own initiative.

4.16. Wallet Blocking at the initiative of authorized governmental agencies shall be implemented in the instances, and as a part of the procedure, established by the federal law. Decisions to implement the Wallet Blocking that are made in accordance with the established procedure by the agencies that in accordance with the federal law are authorized to make such decisions shall be implemented by the NBCO immediately upon receipt.

4.17. At the Client’s initiative Wallet Blocking shall be performed at any moment based on a notice sent to the NBCO by one of the following methods: 4.17.1. by personally addressing any of the NBCO’s offices and presenting to them a valid form of identification; 4.17.2. by contacting the NBCO’s Support Service via telephone; 4.17.3. by contacting the NBCO’s Support Service via a notice by email; 4.17.4. by another method stipulated by the NBCO.

4.18. The notice on Wallet Blocking sent by the Client shall contain the following information: — the Wallet number;— the Client’s full name (for personalized Wallets);— data that can verify that the notice has been sent by the Client. The parameters of said data shall be established by the NBCO and advised to the Client through the NBCO’s website; The Client's notice about cancellation of the Wallet Blocking performed by the Client's initiative; furnished as stipulated by Sub-clause 8.1. of this Agreement.

4.19. Wallet Blocking may be implemented at the initiative of the NBCO in the following cases: 4.19.1. if the NBCO suspects that the Client has violated the Wallet use procedure as stipulated by Sub-clause 4.21. of this Agreement; 4.19.2. if it is necessary for the NBCO to ensure the security of the Client’s E-money balance, access to which is accomplished through use of a Wallet that the NBCO suspects of being accessed without authorization; 4.19.3. in the case of non-standard or unusually complicated transaction schemes different from the regular transaction patterns typical of the NBCO’s Clients; 4.19.4. in the case when the NBCO has to comply with the requirements established by the Russian Federation’s Law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism; 4.19.4.1. if the NBCO requests the Client to complete the Identification due to any grounds stipulated by Sub-clauses 9.1.4.1., 9.1.4.2., or 9.1.4.4. of this Agreement; 4.19.5. in the case of a Technical Overdraft of the E-money balance. 4.19.6. in the case when funds sent as a result of unauthorized access to the payer's Wallet are credited to the recipient's Wallet, irrespective of whether the Wallet blocked was the final recipient of funds as of the moment of Blocking or was used for transit purposes; 4.19.7. in the case provided for in paragraph two of Clause 4.23 hereof; 4.19.8. in the case when the bank card owner disputes the NBCO's operation of providing funds for adding to the E-money balance using a bank card; 4.19.9. if the Commercial Court initiates any procedure of insolvency of the Client; 4.19.10. if the identified Client, whose Wallet is blocked by any grounds stipulated by Sub-clause 4.19. of the Agreement, has other Wallets, the NBCO can block these Wallets; Provisions of this Clause 4.19. are only applied as a rule of utilizing the e-payment mean for the purposes of paragraph 9 article 9 of the federal law ‘Concerning national payment system’ as a ground for blocking the Wallet by the NBCO's initiative.

4.20. Wallet Blocking entails termination by the NBCO of all transactions that result in a reduction in the E-money balance by the Client's order. Operations that result in an increase in the E-money balance can also be terminated in the event of the Wallet Blocking initiated by the NBCO. In the case of Wallet Blocking at the initiative of the NBCO, the following durations for the Blocking shall be established depending on the reasons for the Blocking: 4.20.1. until the Client fully eliminates the violations (that can be eliminated) of procedure for use of the Wallet that were committed by him as provided for in Sub-clause 4.21. of this Agreement, or until confirmation that the Client does not commit such violations for the cases stipulated by Sub-clause 4.19.1. of this Agreement; 4.20.2. until the NBCO is completely certain that no one has unauthorized access to the Client’s Wallet for the cases stipulated by Sub-clause 4.19.1. of this Agreement; 4.20.3. until the NBCO reviews the explanations and documents about the performed transaction provided by the Client by the NBCO's request if, as result of such review, the NBCO does not waiver the Agreement at its sole discretion in accordance with Sub-clause 4.19.3. of this Agreement; 4.20.4. in accordance with the requirements established by the Russian Federation's Law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism in accordance with Sub-clause 4.19.4. of this Agreement; 4.20.4.1. until the NBCO receives information about dismissal of action of bankruptcy of the Client in accordance with Sub-clause 4.19.4.1. of this Agreement; 4.20.5. until replenishing of the Client's E-money balance by an amount sufficient for compensation of the Technical Overdraft in accordance with Sub-clause 4.19.5. of this Agreement; 4.20.6. until the NBCO makes a decision regarding the consequences of the revealed facts of unauthorized access, but no more than 3 (Three) months from the date of the Wallet Blocking—in the cases provided for in Sub-clause 4.19.6. hereof; 4.20.7. until the Client fulfills the NBCO's requirement to switch to using SMS text message passwords for Wallet management in accordance with Sub-clause 4.19.7. of this Agreement; 4.20.8. 180 (one hundred eighty) days from the date if the Wallet Blocking in the cases provided for in Sub-clause 4.19.8. hereof; 4.20.9. until the NBCO receives information about termination of the Client's bankruptcy case on any grounds in the cases provided for in Sub-clause 4.19.9. hereof.

4.21. The procedure for use of the Wallet: 4.21.1. When using the Wallet the Client shall comply with the legislation of the Russian Federation and the rights and lawful interests of the NBCO and of third parties; 4.21.2. The Client shall use the Wallet for personal reasons only. The Client shall have no right to disclose or otherwise transfer his Authorization Data to third parties; 4.21.3. The Client shall ensure storage of Authorization Data in a way that would prevent access to them by third parties; specifically, the Client shall not write down his Authorization Data in a way that would permit someone to determine what the Authorization Data pertain to or save them in electronic form, including in special programs intended for storing passwords. The Client shall independently take all necessary measures to ensure the confidentiality of and prevent unauthorized access to his Wallet by third parties. 4.21.4. Before entering the password, the Client shall make sure he is not being observed, including by special equipment; 4.21.5. Before entering the password, the Client shall ensure that: а) connection to the NBCO’s Website has been established under https protocol; b) the browser’s URL field specifies the NBCO Website’s URL; c) the SSL-connection certificate has been verified and corresponds to the Website; 4.21.6. The Client shall not use other people’s computers or other devices to access the Wallet; 4.21.7. The Client shall ensure anti-virus safety of the device used to access the Wallet; 4.21.8. The Client shall not use the Wallet for performing illegal (the ones the NBCO, by its own discretion, determines as having essential elements of an offense, misdemeanor, default of civil liabilities to any third parties and as laundering of funds obtained by criminal means, or financing of terrorism) actions, including the following: 4.21.8.1. Utilize the Wallet for regular collecting and further distributing funds among several recipients/for regular transferring funds to this Client's own bank details/obtaining cash/other operations that are likely to be a money transit; 4.21.8.2. Do not use the Wallet for providing funds to a conspiracy, illegal armed group, or crime community (criminal organization) or raising funds for them; 4.21.8.3. Do not use the Wallet for performing payments/accepting payment for objects withdrawn from commerce or having limited transferability; 4.21.8.4. Do not use the Wallet for stealing/concealing another person's funds; 4.21.8.5. Do not use the Wallet for performing any operations related to dissemination of an information, goods, works, or services that encourage hate, violence, racial or religious intolerance, Nazi or similar symbols and attributes, impelling overthrow of government, alteration of current political system, unlawful destruction of property, rebel, mass disorders, or extremist activity; 4.21.8.6. Do not use the Wallet for any operations directly or indirectly related to terrorist financing; 4.21.8.7. Do not use the Wallet for any operations that infringe or tend to infringe copyrights; 4.21.9. The Client shall not use the Wallet for financing occult-religious, occult-philosophic, mystic, or other associations of that kind that foster the spread of cults of destructive kind and emerging of religious, ethnic, confessional extremism; 4.21.10. The Client shall not use the Wallet for raising money for financing political activity of natural persons and corporations, including non-commercial and social companies; 4.21.11. The Client shall not use the Wallet for any operations related to attraction of money for a promise of payouts in the amounts comparing to the attracted amounts as well as for organizing such activity, including creating/spreading of information about participation in pyramid investment schemes, matrix programs, or similar get-rich-quick schemes or multilevel marketing programs or other programs aimed at thievery or obtaining rights on other person's property fraudulently or by betrayal of trust; 4.21.12. The Client shall not use any programs or take any other measures that would allow him to conceal from the NBCO technical characteristics of the Internet connection used to access the Wallet; 4.21.13. The Client shall not perform actions whose purpose is, or which will result in, violation of the normal operation of the NBCO’s equipment and software; 4.21.14. The Client shall not make any changes to the Wallet’s software and/or any of its parts by himself or by engaging third parties; nor shall the Client use any means of automated access to the Wallet unless otherwise approved by the NBCO; 4.21.15. The Client shall not use the Wallet for performing operation related to entrepreneurship; 4.21.16. The Client shall not use the Wallet the way that cause the NBCO to get at least three claims a year (any consecutive 365 days) from a third party (third parties) concerning actions connected with money transfer to the corresponding Wallet; 4.21.17. When managing the Wallet, the Client shall not use phone number, login names, software, devices, or other client identifiers that are directly or indirectly connected the Clients having violated Sub-clauses 4.21.1., 4.21.8.–4.21.16., or 4.21.18. of this Agreement; 4.21.18. The Wallet shall not be used by persons from the lists created by the Russian governmental bodies and posted in the public domain or directly sent to the NBCO in the cases where a person being included in such list makes the NBCO be liable for taking additional or irregular measures for controlling such person's actions performed with the Wallet. 4.21.19. Upon Registration or Simplified Registration, the Client shall provide his or her actual details. 4.21.20. Whether the Client's actions violate the rules of use of the Wallet shall be determined at the NBCO's discretion.

4.22. The use of Authorization Data when the Client sends orders and notices to the NBCO shall be deemed by the Parties an appropriate and sufficient method of the Client’s Authentication that confirms the authenticity and integrity of the electronic documents that the Client sends.

4.23. The Client’s Authorization Data, for the purposes of this Agreement, shall be recognized by the Parties as the equivalent of a handwritten signature (EHS). The NBCO shall have the right, at any moment and at its sole discretion, to demand the Client to switch to using the enhanced authorization for Wallet management (Appendix No3 hereto).

4.24. The Parties shall agree that the use of the EHS in electronic messages transmitted from the Client to the NBCO gives rise to legal consequences identical in force to those arising from the application of handwritten signatures in accordance with the requirements of the legislation of the Russian Federation, and all other documents related to the fulfillment of the Agreement and verified by the EHS shall be equal to the hard copy documents bearing a handwritten signature of the respective Party.

4.25. In the case of a dispute over the presence and/or authenticity of an EHS, the burden of proof shall lie with the Party that denies the presence and/or authenticity of the EHS, respectively.

4.26. In the case of a dispute over the fact of changes made to the electronic message after it was signed with the EHS, the burden of proof shall lie with the Party that asserts that changes have been made to the message.

4.27. In the case of a dispute over the fact of receipt by one of the Parties of some electronic message signed with the EHS, the burden of proof shall lie with the Party that claims to have not received the electronic message signed with the EHS.

4.28. In the case of a dispute between the Parties related to the use of the EHS, the NBCO shall use the software that was used when generating the EHS and that is used for its verification and then inform the Client of its decision about the EHS’s authenticity. The Client shall be entitled to challenge said decision in court.

4.29. The NBCO shall assign the Inactive Client Status to any Clients failing to perform any of the actions mentioned below for a period of 2 (two) years or more: 4.29.1. the Client transfers Electronic Money; 4.29.2. the Client orders a return of their balance; 4.29.3. funds are provided or transferred in the Client's favor resulting in an increase of the Client's balance of Electronic Money; 4.29.4. the Client completes the identification process; 4.29.5. the Client enters into the contract on Yandex.Money card or Pre-Issued card under the conditions posted on the NBCO's site; or the Client issues the Virtual card in accordance with Annex No.7 to this Agreement. The Inactive Client Status remains in effect from the moment it is assigned by the NBCO to the moment any of the actions specified in Sub-clauses 4.29.1-4.29.6 of this Agreement is performed.

4.30. The NBCO charges the Client remuneration for provision and servicing of the Wallet for every whole month the Inactive Client Status is in effect, starting from the 25th day of each calendar month to the 24th day of each succeeding month in the amount set forth in the Fees. For the first incomplete month when the alterations of the Fees concerning the remuneration specified by this clause came into force the remuneration is charged in full measure. The NBCO withholds the remuneration by the end of the month it was charged. Clients whose remaining balance of Electronic Money equals zero are not charged remuneration.

4.31. The Client shall have the right to suspend the Inactive Client Status for 3 (three) months by contacting the NBCO Support Service or using their Wallet. The remuneration specified in Sub-clause 4.30 of this Agreement is not collected during the period when the Inactive Client Status is suspended. The Inactive Client Status recommences on the 25th day of the third month after the Inactive Client Status was suspended.

5. Conditions of Making E-Money Transfers

5.1. The NBCO shall accept funds from the Client for the purpose of fulfilling the Client’s monetary obligations to third parties; the Client shall have the right to manage these funds by issuing orders via the Wallet only, if otherwise is not explicitly provided by this Agreement.

5.2. Obligations of the NBCO under the Agreement shall be confined to the provision of services associated with making Electronic Money transfers. The NBCO shall not be a party to any deal made between Clients and/or Clients and recipients of the Clients’ transfers and, accordingly,: — it shall neither regulate nor control compliance of the deal with the requirements of the law and other regulatory acts; its conditions; or the fact and consequences of entering into, fulfilling, and terminating the deal, including as regards the return of payment under such a deal; — it shall not consider claims made by the Client related to cases when recipients of funds do not fulfill (improperly fulfill) their obligations with regard to the deal.

5.3. The procedure and conditions of funds provision 5.3.1. The Client shall have the right to provide funds to the NBCO by the following methods: 5.3.1.1. by physical cash via the Agent (subagent) of the NBCO; 5.3.1.2. by bank wire or mail transfer without opening a bank account; 5.3.1.3. by bank wire transfer including those made using a bank card. The NBCO shall provide the Client with information on the methods and places of providing funds on the NBCO’s Website. 5.3.1.4. using the funds provided to the NBCO by corporations or sole proprietors in the Client's favor. The NBCO may at its own discretion limit the list of entities who provide funds in the Client's favor in accordance with this Sub-clause and set and amend limitations for the amounts that may be provided to the Client via this method. the NBCO provides the Client with information about the methods and locations of funds deposit on the NBCO's website. 5.3.2. The NBCO, as well as the NBCO Agent (subagent), shall be entitled to charge remuneration from the Client when the Client provides funds. The fact and rate of remuneration may depend on the method of provision of funds. The NBCO’s remuneration stipulated by this sub-clause shall be established in accordance with the Fees. The NBCO Agent’s (subagent’s) remuneration stipulated by this sub-clause shall be established and charged by the NBCO Agent (subagent) independently. 5.3.3. Provision of funds shall entail the NBCO crediting E-money to the Virtual Account specified by the payer upon said provision; the sum credited shall correspond to the sum of the funds provided less the NBCO’s remuneration and/or the NBCO Agent’s (subagent's) remuneration (should it be charged) except in cases provided for in Sub-clause 5.3.3.1. hereof. 5.3.3.1. Should the increase of said balance result in an excess of the limit for the E-money balance established by the federal law or should the NBCO decide to extend the Wallet Blocking to deposit operations in accordance with paragraph one, Sub-clause 4.20. of the Agreement, the NBCO shall refuse to increase the E-money balance. 5.3.3.2. The NBCO returns the funds provided with extention of the E-money balance limit to the credit organiztion or the NBCO's Agent who provided these furnds. 5.3.3.3. If the funds cannot be returned in accordance with Clause 5.3.3.2. of the Agreement, the NBCO provides the Client that linked the phone number with the Virtual Account with unidentified electronic payment mean and credits the money provided with extention of the limit to this payment mean's balance. Terms of this mean's use and terms of ordering the transfer for the electronic funds (remainings) credited to it is specified in Appendix #1 to the Agreement. 5.3.4. The methods and conditions of providing funds by the Client may be restricted. The restrictions may depend, in particular, on whether a personalized or a non-personalized Wallet is used, on whether the Client has the status of a Resident or Non-resident, as well as on whether the Client has activated any additional services provided by the NBCO. Specific conditions of funds provision as applied to each deposit method, as well as the existing restrictions, shall be posted on the NBCO’s Website. 5.3.5. When depositing funds the Client shall indicate in the payment destination field the number of the Virtual Account (Wallet) or phone linked to the Virtual Account as provided for in Annex No.4 to this Agreement, to which the NBCO shall account the E-money. The NBCO shall have the right to request other information from the Client when the latter provides funds. If the phone number of the recipient specified in the course of providing funds is linked with several Virtual Accounts, the E-money shall be credited to the Virtual Account that was the last used for transferring the E-money by the Client's order, excluding transfers made under advance acceptance. 5.3.6. Should third parties provide funds, all the rights and obligations with respect to E-money credited to the Wallet shall rest with the Client. Such actions of third parties shall be deemed by the Parties to be committed by the respective third party in the interest of the Client.

5.4. Accounting for E-money 5.4.1. Depending on the method of providing the NBCO with the funds, the E-money shall be accounted for on the Client’s Virtual Account at the moment: 5.4.1.1. funds are credited to the NBCO’s account; 5.4.1.2. the NBCO receives a corresponding notice from the NBCO Agent or another operator engaged in funds transfers as established by the contract signed between them; 5.4.1.3. the NBCO receives an order by another Wallet owner for the transfer of E-money to the given Virtual Account. Funds paid to the Client under the marketing campaign shall be accounted as electronic funds credited to the Client's Virtual Account the moment set out by this campaign's rules. 5.4.2. Information on the E-money balance, the Client’s E-money transactions, as well as other information on the Client’s transfers and use of the Wallet shall be recorded and stored by the NBCO during the effective period of this Agreement and for five years after its termination. Such information may be stored in excess of the aforementioned period at the discretion of the NBCO. 5.4.3. Actions taken by the Client for the purpose of changing his E-money balance shall confirm that he consents to the sum of the balance, information on which is displayed in his Wallet at the moment preceding the aforementioned actions taken by the Client. 5.4.4. In personalized Wallets the E-money balance shall not at any time exceed 500,000 (five hundred thousand) rubles or the amount in a foreign currency equivalent to said amount according to the official exchange rate of the Bank of Russia. 5.4.5. In non-personalized Wallets the E-money balance shall not at any time exceed 15,000 (fifteen thousand) rubles. Non-personalized Reviewed Wallets belonging to users who have completed the Wallet Reviewing process can be used for transferring E-money to legal entities or sole proprietors provided the E-money balance does not at any time exceed 60,000 (sixty thousand) rubles.

5.5. Making E-money transfers 5.5.1. E-money transfers shall be performed based on the Client’s order issued in electronic format using the Wallet. 5.5.2. The NBCO, when accepting an order for transfer from the Client, shall check the Client’s right to dispose of the E-money based on the Client’s Authentication using the Authorization Data. 5.5.3. Direct debit of the E-money balance (without the Client’s order) shall be applied: 5.5.3.1. in the amount of remuneration to be paid by the Client to the NBCO in accordance with the Fees; 5.5.3.2. in the amount of a penalty (fine, charge) stipulated by this Agreement (including those stipulated by the Fees or the terms and conditions of providing additional services) and/or in the amount of other documented expenses of the NBCO incurred by it as a result of rendering services to the Client under this Agreement; 5.5.3.3. based on a request by the E-money recipient to whom the Client has given their consent according to the procedure established by the federal law; 5.5.3.4. based on the request to forfeit the E-money balance (its part) according to the procedure established by the federal law; 5.5.3.5. by the amount credited by the NBCO to the Client’s Virtual Account by mistake; 5.5.3.6. by the amount of the Client’s debt resulting from the following circumstances (including but not limited to):

the Client's use of the E-money credited as a result of the NBCO’s mistake;

retention by the bank of funds to be returned to the cardholder due to the cardholder’s objection to the transaction of providing funds to the NBCO for the purpose of adding funds to the E-money balance using a bank card, as well as the penalties applied by the payment system;

a difference in the currency exchange rates during a transaction of adding funds to the E-money balance with a bank card resulting from the time that elapses from the moment the transaction is performed and the moment the transaction processing cycle in the international payment system is completed;

Technical Overdraft;

5.5.3.7. in the amount of the funds credited in favor of the Client by the operation being disputed and refunded to the payer in accordance with Sub-clause 13.2 hereof, irrespective of whether the Client is the first or any subsequent recipient of the disputed operation; 5.5.3.8. in the amount of the E-money balance if this Agreement is terminated by the Client's will and if remaining balance amount is less than the commission due in accordance with the NBCO's Tariffs for operation of the E-money refund operation; 5.5.3.9. in the amount of the transfer to the recipient—corporation for goods, works, services/other Client, if the Client have preliminary negotiated the conditions of such transfer. 5.5.3.10. in other cases stipulated by the federal law or by agreement of the Parties. Provisions of Sub-clauses 5.5.3.1, 5.5.3.2, 5.5.3.4–Sub-clause 5.5.3.10 of this section shall have the force of a proactive authorization by the Client for reducing the Client's E-money balance upon the request of the funds recipient, including the NBCO, filed on the basis of any grounds provided for in this clause. 5.5.4. The Client using a personalized Wallet and the Client using a non-personalized Reviewed Wallet shall have the right to: 5.5.4.1. make E-money transfers in favor of another NBCO Client—a natural person who has completed the Identification or Wallet Reviewing process; 5.5.4.2. make E-money transfers in favor of an NBCO Client who uses a corporate electronic payment instrument; 5.5.4.3. make E-money transfers for increasing the E-money balance of a different Virtual Account belonging to the Client; 5.5.4.4. make E-money transfers in favor of a Client (including themselves) of a different electronic funds operator provided that the operator has the necessary contractual relationship with the NBCO. 5.5.5. The Client using a non-personalized Wallet shall have the right to: 5.5.5.1. make E-money transfers in favor of an NBCO Client who uses a corporate electronic payment instrument. 5.5.6. The conclusiveness of the E-money transfer shall arise from the moment the conditions of the E-money transfer, as established by the Client and (or) funds recipient or other persons, are met. 5.5.7. The finality of the E-money transfer shall occur at the moment of simultaneous actions: acceptance by the NBCO of the Client’s order; decrease by the NBCO of the payer’s E-money balance and increase by the NBCO of the recipient’s E-money balance by the amount of the E-money transfer. 5.5.8. For non-personalized Wallets, the total amount of E-money transfers shall not exceed 40,000 (forty thousand) rubles during one calendar month. Non-personalized Reviewed Wallets whose owners have completed the Wallet Reviewing process can be used for transferring E-money to legal entities and sole proprietors, provided the total amount of such E-money transfers using such non-personalized Wallet does not exceed 200,000 (two hundred thousand) rubles during one calendar month.5.5.9. The Client shall have the right to make E-money transfers by methods stipulated either in this Agreement or in the terms and conditions of additional services activated by the Client. 5.5.10. The Client shall have the right to make E-money transfers from any location provided the requirements established by Sub-clause 4.21 hereof are complied with. 5.5.11. E-money transfers in a foreign currency between Residents, E-money transfers in a foreign currency and the Russian Federation currency between Residents and Non-residents, as well as E-money transfers in a foreign currency and the Russian Federation currency between Non-residents shall be regulated by the requirements of currency legislation of the Russian Federation, acts of currency regulation agencies, and acts of currency control agencies. 5.5.12. Should executing of the Client’s order for the E-money transfer result in an excess of the limit for the E-money balance or for the E-money turnover established by the federal law, the NBCO shall refuse to execute such order. 5.5.13. The NBCO shall have the right to put restrictions on the list of the E-money recipients for certain groups of Clients. The restrictions may depend, in particular, on whether a personalized or non-personalized Wallet is used, on whether the Client has the status of a Resident or Non-resident, as well as on whether the Client has activated any additional services provided by the NBCO. The specific restrictions stipulated by this clause are posted on the NBCO’s website.5.5.14. The payer's order for transferring the E-money should include one of the following recipient's identifiers: 5.5.14.1. The Virtual Account number (Wallet); 5.5.14.2. Email address provided by the Client for accepting the NBCO's notifications to as provided for by Clause 7 of the Agreement; 5.5.14.3. The phone number linked with the Virtual Account in the order set out by Annex No.4 of the Agreement. If the phone number of the recipient specified in the course of providing funds is linked with several Virtual Accounts, the NBCO increases the balance of the Virtual Account that was the last used for transferring the E-money by the Client's order, excluding transfers made under advance acceptance.

5.6. The procedure and conditions of E-money balance returns 5.6.1. The Client shall have the right to request at any moment that his E-money balance (its part) be returned if the corresponding Wallet is not being subject to Blocking. In the event that the remaining E-money balance of the Wallet blocked on legal grounds, the Client shall have the right to request that the part of their E-money balance not arrested be returned. 5.6.2. The NBCO shall have the right to charge remuneration for making funds transfers when returning the E-money balance irrespective of the method of application submission and/or the method of return, except for the cases when the E-money balance is returned in connection with this Agreement being terminated at the NBCO's initiative. 5.6.3. The Client using a personalized Wallet shall have the right to request that his E-money balance be returned by one of the following methods: 5.6.3.1. by funds transfer to any bank account; 5.6.3.2. by funds transfer without opening a bank account; 5.6.3.3. by receiving physical cash from a credit organization—the NBCO's partner, banking agent of the NBCO, or from a banking subagent engaged by such NBCO banking agent, provided the agent has the necessary contractual relationship with the NBCO. 5.6.3.4. by forwarding funds as an offset for the Client's obligations to a credit organization. 5.6.4. The Client using a non-personalized Wallet shall have the right to request that his E-money balance be returned by one of the following methods: 5.6.4.1. by funds transfer to a bank account belonging to a legal entity or a sole proprietor; 5.6.4.2. by forwarding funds as an offset for the Client's obligations to a credit organization. 5.6.4.3. by receiving physical cash using a pre-paid card provided the total amount does not exceed 5,000 (five thousand) rubles within one calendar day and 40,000 (forty thousand) rubles within one calendar month. 5.6.5. A Client that has a non-personalized Reviewed Wallet shall have the right to request that his E-money balance be returned by one of the following methods: 5.6.5.1. by funds transfer to his bank account (card); 5.6.5.2. by funds transfer to a bank account belonging to a legal entity or a sole proprietor; 5.6.5.3. by forwarding funds as an offset for the Client's obligations to a credit organization; 5.6.5.4. by receiving physical cash using a pre-paid card provided the total amount does not exceed 5,000 (five thousand) rubles within one calendar day and 40,000 (forty thousand) rubles within one calendar month. 5.6.6. The method of returning the E-money balance may be restricted for certain categories of Clients. The restrictions may depend, in particular, on the method by which funds were provided, on whether the Client has the status of a Resident or Non-resident, as well as on whether the Client has or has not activated additional NBCO services. Specific restrictions provided for by the present clause shall be posted on the NBCO’s Website. 5.6.7. Return of the E-money balance shall be performed based on the Client’s order requesting the return of the E-money balance submitted as per the form established by the NBCO. The Client has the right to make an order to the NBCO for a singe or recurring transfer of the E-money balance (its part). Description of conditions for making the orders for recurring payments, the order format, and execute procedure is specified in this Agreement or posted on the NBCO's website. 5.6.8. The Client using a personalized Wallet shall have the right to send an order requesting the E-money balance return by one of the following methods: 5.6.8.1. by using the Wallet; 5.6.8.2. by submitting the order personally at the NBCO’s registered address specified in the Agreement and simultaneously presenting a valid form of identification; 5.6.8.3. by ensuring receipt by the NBCO at the NBCO's registered address specified in this Agreement of the corresponding Client’s application. The Client’s signature on such an application shall be notarized. 5.6.9. The Client using a non-personalized Wallet/non-personalized Reviewed Wallet shall have the right to send their order requesting the E-money balance return using the Wallet. 5.6.10. The E-money balance may be returned at the initiative of the NBCO in the case of the NBCO’s unilateral refusal to fulfill this Agreement; the Wallet use shall simultaneously be terminated. In this case the E-money balance shall be returned to the Client's bank account whose details shall be provided by the Client by one of the methods specified in Clause 5.6.8. hereof. 5.6.11. In the cases when the E-money balance may be returned to the bank account of a third party other than the Client (including the bank account of a legal entity or a sole proprietor), it is beyond the purview of the NBCO to establish the nature of legal relations between the Client and the party to which the NBCO, at the Client’s order, shall return the E-money balance. The NBCO shall bear no responsibility for the consequences that may arise for the Client and/or the third party as a result of such return. 5.6.12. If the Agreement is terminated, the E-money remaining balance that is less than the commission due for the refund operation is not returned and is debited by the NBCO as stipulated by sub-clause 5.5.3.8. of this Agreement.

5.7. Linking Bank Cards to the Wallet 5.7.1. The Client is entitled to link to each Wallet up to five bank cards. The restrictions applied to the list of the issuers of the cards allowed for linking, the payment systems that provide services for them, as well as the procedure for linking the cards to the Wallet and cancelling that link is posted on the NBCO's Site and may be altered or amended by the NBCO at its sole discretion. 5.7.2. Should the Client use the Wallet to apply for transferring funds using the balance of the card linked with this Wallet, such order is executed via consecutive debiting the transfer amount from the bank card and increasing the E-money balance to the transfer amount, then decreasing the said E-money balance for the transfer amount and transferring the Client's funds by the NBCO to the recipient using the applied method of wire transfers. 5.7.3. When returning the amount of the transfer made with a linked bank card to the Wallet, the NBCO returns this amount to the acquiring bank for its further crediting to the linked bank card, except for the cases set out in paragraph two of this Sub-clause. Amount of the returned transfer remains in the Wallet and is not subject for refund to the linked bank card if its part was deducted from the Virtual Account by a demand of the NBCO or a party seeking an exaction (persons or bodies lawfully entitled to prduce a clim towards account and e-money) in the manner and on the grounds set forth by law of the contract entered into between the NBCO and the Client.

6. Fees

6.1. The NBCO shall charge the Client remuneration for providing services under this Agreement; the amount and charging procedure of the remuneration shall be established in the Fees.

6.2. The NBCO’s Fees shall be posted on the NBCO’s Website. Amendments to the Tariffs are made as stipulated by sub-clause 12.1. of this Agreement.

7. Procedure for the Parties’ Intercommunication

7.1. When entering into this Agreement the Client shall undertake to provide the NBCO with factual contact information for reaching the Client and sending notices to them in accordance with Sub-clause 7.7 hereof. The Client shall bear responsibility for making sure that the said information is current and factual at all times.

7.2. When entering into this Agreement the Client shall select a method of receiving notices from the NBCO sent in accordance with Sub-clause 7.7 hereof.

7.3. By default, the appropriate method of informing the Client about a transaction involving the Wallet shall be by notice to the email address provided by the Client in accordance with Sub-clause 7.1 hereof.

7.4. The Client shall have the right to select multiple methods of those offered by the NBCO for receiving notices about transactions involving the Wallet. The Client shall also have the right to change, at any moment, the previously selected method of notification by providing the NBCO with factual contact information for reaching the Client and sending them notices by a method established by the NBCO.

7.5. The NBCO shall have the right to charge remuneration from the Client for sending notices about Wallet transactions to the Client by a method different from the one provided for by Sub-clause 7.3 hereof.

7.6. Should the Client decline all the methods of sending notices about Wallet transactions to them offered by the NBCO, the Client shall be deemed not to have appropriately provided information for reaching the Client in accordance with Sub-clause 7.1 of this Agreement, whereas the NBCO shall be deemed to have fulfilled its obligations with regard to informing the Client about transactions performed at the moment when the fact of a transaction is confirmed in the Wallet. In this case the Client shall have no right to file claims against the NBCO related to inadequate informing of the Client about transactions.

7.7. When fulfilling this Agreement the NBCO shall be obliged to send to the Client notices about each transaction performed involving the Wallet by the method agreed by the Parties as provided by Sub-clauses 7.2. or 7.4. of this Agreement.

7.8. The NBCO’s obligation with regard to informing the Client about a transaction performed involving the Wallet shall be deemed to have been fulfilled at the moment when a corresponding notice is sent. The notice shall be deemed to have been received by the Client within three hours from the moment of sending. The NBCO shall bear no responsibility for the Client not having access to devices via which the Client can receive the notice; for untimely receipt of the notice; or for errors in the operation of the Internet or communication networks occurring for reasons beyond the NBCO’s control and resulting in untimely receipt or non-receipt by the Client of the NBCO’s notices.

7.9. The NBCO shall provide the Client with the possibility to send notices about Loss of Access or loss of the use of the Wallet without the Client’s consent by the methods specified on the NBCO’s Website. Such notice shall be sent to the NBCO immediately after the Loss of Access and/or loss of use of the Wallet without the Client’s consent has been discovered, but no later than the day after the notice from the NBCO concerning a performed transaction was received. The NBCO shall bear no responsibility for the Client not having access to devices via which the Client can send the notice; for untimely sending of the notice; or for errors in the operation of the Internet or communication networks occurring for reasons beyond the NBCO’s control and resulting in untimely receipt or non-receipt of the notices stipulated by the present sub-clause from the Client. The moment of receipt of a notice from the Client shall be determined depending on the method of its sending:

when sending a notice via telephone using voice communication, the moment of receipt of the notice shall be the moment the notice is documented by the NBCO’s Support Service;

when sending a notice via telephone using an SMS (text-message) notice, the moment of receipt of the notice shall be the moment the notice is received by the NBCO;

when sending a notice via email, the moment of receipt of the notice shall be the moment when the notice is received to the NBCO’s mail server;

when sending a notice via regular mail, the moment of receipt of the notice shall be the date specified on the document that confirms the notice has been delivered to the NBCO.

7.10. The NBCO shall have the right, at its own discretion, to send to the Client any other notices in addition to those specified in Subclause 7.7 of this Agreement (including those that bring about legal consequences), replies to applications, claims, and other appeals by one of the following methods: 7.10.1. by posting them on the NBCO’s Website; 7.10.2. by sending them directly to the Client’s Wallet; 7.10.3. by sending them to the Client’s email address that was provided by the Client in accordance with Subclauses 7.1 or 7.4 of this Agreement and/or specified by the Client in any written application previously received by the NBCO; 7.10.4. by sending them in an SMS text message to the telephone number provided in accordance with Subclauses 7.1 or 7.4 of this Agreement and/or specified by the Client in any written application previously received by the NBCO; 7.10.5. by sending them to the postal address specified by the Client in any application previously received by the NBCO. 7.10.6. via the NBCO's mobile application 7.10.7. to any communication online services (messengers) or other mobile applications that use the Client's phone number provided in accordance with sub-clauses 7.1. or 7.4. of this Agreement and/or provided by such Client in any written application received by the NBCO before. 7.10.8. Upon sending of notices in accordance with Subclauses 7.10.1.-7.10.4., 7.19.6., 7.10.7. of this Agreement, a notice shall be deemed to have been received by the Client 24 hours after the notice is sent; upon sending of notices in accordance with Subclause 7.10.5 of this Agreement, a notice shall be deemed to have been received by the Client 14 days after the notice was sent.

8. Consideration of the Client’s Applications and Settlement of Disputes

8.1. The Client shall have the right, while fulfilling this Agreement, to send notifications, requests, claims, applications, complaints, and other forms of communication with the NBCO in addition to those provided for in Clause 7.9. of this Agreement, both stipulated and not stipulated by this Agreement, by one of the following methods (unless otherwise stipulated by this Agreement): 8.1.1. for identified Clients, by submitting a relevant application to any of the NBCO's offices (or to any offices of the persons authorized by the NBCO) with producing an ID; 8.1.2. for unidentified Clients, by submitting a relevant application in any of the NBCO's offices (or in any offices of the persons authorized by the NBCO) with producing the documents necessary for the Client's Identification; 8.1.3. by causing the NBCO to receive a hard-copy application given the Client's signature on such an application is notarized; 8.1.4. by any other method agreed upon between the NBCO and the Client. The NBCO shall only consider client applications drawn up in the Russian language.

8.2. In the instances established by this Agreement or listed on the NBCO’s Website, the Client shall be obliged to provide the NBCO with a written application in the required format and with the required content.

8.3. All disputes and discrepancies that have arisen or may arise from this Agreement at the Client’s initiative shall be settled subject to the out of court claim procedure. Should the dispute not be settled within 60 (Sixty) business days of the Client’s claim being received, any Party shall be entitled to apply to court for dispute resolution. For the purposes of this Agreement, a claim shall be understood as the Client’s application (or their representative’s, having produced a properly issued proxy to represent the Client’s interests in relations with the NBCO) to the NBCO sent in accordance with Clause 8.1. of this Agreement, which presents the Client’s civil and legal demands addressed to the NBCO in connection with existing, in the claimant’s opinion, non-fulfillment (improper fulfillment) by the NBCO of obligations to this Client arising from this Agreement.

8.4. Upon receipt from the Client of a written application, including a claim, the NBCO shall be obligated to consider the application within 30 (thirty) calendar days (or 60 (sixty) calendar days in the case where the Wallet is used for cross-border transfer of funds) from the date of receipt of the application and inform the Client of the results of such a consideration.

8.5. A reply to the Client’s application (including a claim) shall be sent to the Client by one of the methods specified in Sub-clause 7.10 of this Agreement at the NBCO’s discretion. Should the NBCO decide to fully satisfy the claim, the NBCO shall have the right to perform the pertinent actions without informing the Client of the claim satisfaction.

8.6. All disputes and discrepancies under this Agreement shall be settled by a general jurisdiction court where the NBCO is located.

9. Client Identification

9.1. Client Identification shall be carried out in the following instances: 9.1.1. following a voluntary application by the Client (including when the Client would like to use a personalized Wallet and/or activate an additional service requiring the Client’s Identification); 9.1.2. following submission of an application by an unidentified Client stipulated by Sub-clauses 8.1.2. or 8.1.3. of this Agreement; 9.1.3. following the NBCO’s satisfaction of the Client’s request for access recovery; 9.1.4. at the NBCO’s request, in particular in the following instances: 9.1.4.1. if the NBCO has reason to believe that the Client is violating the terms and conditions of the Agreement, the legislation of the Russian Federation, the rights and lawful interest of the NBCO and/or the rights and lawful interest of third parties; 9.1.4.2. if the NBCO has reason to believe that the Client has provided non-factual data on their status of Resident/Non-resident of the Russian Federation; 9.1.4.3. if the Identification is mandatory in accordance with the requirements of the Russian Federation’s law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism; 9.1.4.4. if the NBCO has to comply with other requirements of the law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism; 9.1.4.5. if the absence of the Client’s Identification does not allow the NBCO to fulfill its obligations to the Client, including in the instances stipulated by the legislation of the Russian Federation or of the country of the Client’s location/residence.

9.2. Identification shall be carried out by the following methods: 9.2.1. a personal visit to any NBCO office with a valid form of identification and a signed application for Identification in the form established by the NBCO; 9.2.2. a personal visit to any office of the NBCO’s Agent with a valid form of identification and signed application for Identification in the form established by the NBCO, provided the necessary contractual relationship exists between the NBCO and the NBCO’s Agent; 9.2.3. a personal visit to any office of the operator engaged in funds transfers with a valid form of identification and signed application for Identification in the form established by this operator provided the relevant contractual relationship exists between the NBCO and the transfer operator; 9.2.4. provision by the Client of a personally signed application for Identification bearing the Client's notarized signature or accompanied by a notarized copy of the Client's valid form of identification; 9.2.5. by other methods not prohibited by the law, information on which shall be available on the NBCO’s Website.

9.3. In all the instances provided for in Sub-clause 9.2 of this Agreement the NBCO shall have the right to suggest that the natural person being identified additionally checks the information provided by them to the NBCO and confirms, using the Wallet, that it contains no errors or misstatements. Should the NBCO send such a suggestion to the Client, the Identification shall not be deemed successfully completed until after receipt by the NBCO of the Client’s confirmation.

9.4. The list of data received from the Client during his Identification shall be determined in accordance with the legislation of the Russian Federation.

9.5. Wallet Reviewing is not equal to Identification and is performed in accordance with the requirements of the law On Countering the Legalization. The Wallet Reviewing process can only be performed in respect of the citizen of the Russian Federation and only when a Russian Federation citizen's passport is used as the form of identification.

9.6. The Wallet Reviewing (Simplified identification) procedure shall be carried out as follows: 9.6.1. The Client, using one of the methods established by the NBCO, sends the NBCO the following information: his full name, serial number and number of his Russian passport, the Client's cell phone number, personal account insurance number of the insured person in the personalized accounting system of the Pension Fund of the Russian Federation/identification taxpayer's number (INN)/mandatory health insurance policy number. 9.6.2. the NBCO shall verify the credibility of the information provided using: — original documents or their duly certified copes; — information provided by informational systems of public authorities, the Pension Fund of the Russian Federation, Mandatory Health Insurance Fund and/or another public informational system determined by the Government of the Russian Federation; — unified identification and authentification system when an advanced qualified electronic signature is used or when a standard electronic signature is used provided that the identity of a natural person was confirmed during a private session as of the moment the standard electronic signature key was issued. The choice of method to verify information provided for the Wallet Reviewing procedure shall be made by the NBCO at its sole discretion.

10. Other Rights and Obligations of the Parties

10.1. The rights of the NBCO: 10.1.1. to deny unidentified Clients transactions that are only available to identified Clients; 10.1.2. to deny the Client a transaction if they are not authenticated by the procedure stipulated in this Agreement; 10.1.3. to deny the Client a transaction if their E-money balance is not sufficient for carrying out a transaction and charging the remunerations provided for in the Fees; 10.1.4. to deny the Client a transaction if one of the following occurs: it is discovered the Client made an error when specifying the payment details; the Client did not provide the documents or provided an incomplete set of documents (payment details) required for the NBCO to perform the transaction; or the transaction contradicts the legislation of the Russian Federation and the terms and conditions of this Agreement; 10.1.5. not to execute incoming Client orders for which none of the documents, necessary for recording information required by the Russian Federation’s law On Countering the Legalization of Illegal Income (Money Laundering) and the Financing of Terrorism, have been provided until the Client provides the documents requested by the NBCO; 10.1.6. to block the Wallet in the instances provided for in this Agreement and/or the legislation of the Russian Federation; 10.1.7. to request from the Client additional information and documentation on funds transactions, including documentation confirming the source of funds on the Virtual Account and the basis for transaction performance; as well as information and documentation for determining the beneficiaries of transactions in accordance with the legislation of the Russian Federation; 10.1.8. to request from the Client documentation and information required to perform currency control in accordance with the legislation of the Russian Federation or the country of the Client’s (payer’s, recipient’s) location/residence; 10.1.9. to decrease the Client’s E-money balance without the Client’s order in the instances provided for in this Agreement and/or the legislation of the Russian Federation; 10.1.10. to make changes to the records of transactions in the case of a breakdown in the NBCO’s database operation, as well as to perform all necessary actions to recover information on transactions performed by the Client; 10.1.11. to establish and change (increase, decrease) the restrictions (limits) for transaction performance using the Wallet for everyone as well as for certain Clients/Clients' groups; 10.1.12. To modify the interfaces and the software used for the Parties’ interaction under this Agreement; 10.1.13. To suspend the operation of the software and/or hardware that provide for technical interaction between the Parties under this Agreement in the case that major faults, errors, and failures are discovered, as well as for the purposes of conducting routine maintenance and preventing instances of unauthorized access; 10.1.14. To prohibit at any time previously permissible automatic requests to the Wallet, as well as to block the acceptance of any information generated automatically; 10.1.15. To request from the Client who is a natural person, a minor not proclaimed sui juris as prescribed by the law, and using a personalized Wallet to provide the written consent of their lawful representative under the form established by the NBCO for the Client’s use of the Wallet provided by the NBCO and the Client’s making E-money transfers. Such a written statement of consent shall be personally provided by the Client’s lawful representative to any office of the NBCO (an entity authorized by the NBCO) along with a valid form of identification and the original of a document confirming the status of the lawful representative in relation to this Client; alternatively, the statement of consent may be sent to the NBCO provided the authenticity of the signature of the lawful representative on the statement is notarized; 10.1.16. To provide information to other Clients on whether the Client is an identified or unidentified Client and whether the Client is a Resident or Non-resident of the Russian Federation; 10.1.17. To perform the following actions for the purpose of fulfilling the Agreement and ensuring the security of transactions: to collect, store, process by any method, and, if necessary, transfer to third parties data on the configuration and other characteristics of software and hardware used by the Client for accessing the Wallet, as well as any other data which are automatically transmitted to the NBCO in the course of its interaction with the Client’s software and hardware; 10.1.18. To process by any method, for the purposes of fulfilling the Agreement, any of the Client’s personal data provided by the Client either personally or through third parties during the execution or effective period of the Agreement. 10.1.19. The NBCO is entitled to send marketing notices to the Client at its own discretion, using any method specified in sub-clause 7.10. of this Agreement. The Client is entitled to decline receiving such notices via making a corresponding request to the NBCO.

10.2. The rights of the Client: 10.2.1. to receive notices on Wallet transactions by the procedure provided for in this Agreement; 10.2.2. to file claims to the NBCO and send other applications by the procedure and in the instances provided for in this Agreement; 10.2.3. to unilaterally refuse to fulfill this Agreement provided the Client is not indebted to the NBCO.

10.3. The obligations of the NBCO: 10.3.1. to notify the Client about changes made to this Agreement (including the Fees and/or conditions related to the provision of additional services) either by posting such notice on the NBCO’s Website or by sending a notice to the Client by another method provided for in this Agreement; 10.3.2., to block all the Client’s Wallets upon receipt of execution orders or a collection letter from an authorized agency until the NBCO executes the claimant’s orders or the collection letter of the authorized agency; 10.3.3. to arrest the E-money balance in the amount specified by properly formalized documents from authorized agencies on arresting the E-money balance upon receipt of such documents; 10.3.4. to maintain bank secrecy on Wallet transactions and information about the Client. Information on Wallet transactions and other information about the Client may be provided to third parties without the Client’s consent in the instances stipulated by the legislation Russian Federation.

10.4. The obligations of the Client: 10.4.1. to provide the NBCO with factual and accurate contact information and, in the cases stipulated by this Agreement, provide the NBCO only the banking details of his own bank account/card for return of the balance; 10.4.2. to provide the NBCO with factual identification data when completing the processes of Identification or Wallet Reviewing; 10.4.3. to inform the NBCO in a timely manner about changes to personal data, details, and information in documents provided for Identification, as well as the information for the sending of notices. The Client's failure to notify the NBCO about absence of such alterations, which for instance means the Client's failure to furnish the information for annual update of the identification details within three months after the update shall be considered as the Client's confirmation that the details the Client provided before are real and unamended;10.4.4. to provide the NBCO with the information and documents required for the NBCO to fulfill this Agreement; 10.4.5. to provide, at the NBCO’s request, all the necessary documents and information related to transactions made with foreign currency by the procedure and within the time span stipulated by the legislation of the Russian Federation; 10.4.6. in the event that the Client’s status of Resident/Non-resident changes first, to refrain from using the Wallet, to terminate this Agreement; only after that the Client may enter into a new Agreement under the new status; 10.4.7. to provide the NBCO, at its request, with information and documents confirming the source of funds in the Virtual Account and the basis for performing transactions; 10.4.8. The Client shall give the NBCO their consent to process by any method, for the purposes of fulfilling this Agreement, any of the Client’s personal data provided by the Client either personally or through third parties during the execution or effective period of this Agreement. The Client shall also give their consent to the communication of their personal information, including personal data, to YANDEX LLC (OGRN: 1027700229193) for processing subject to the conditions and for the purposes stipulated in the YANDEX LLC Privacy Policy. Said consent shall be valid throughout the effective period of this Agreement and may be withdrawn by the Client’s unilateral refusal to fulfill this Agreement. Should the Client provide the NBCO with personal data of third parties during the fulfillment of this Agreement, the Client shall guarantee that he has obtained them by legal means and has been granted the consent of the subjects of said personal data to provide the NBCO with them. The Client shall also assume responsibility for the legality of providing and reliability of said data; 10.4.9. to fulfill other obligations provided for in this Agreement.

11. Procedure for Entering into the Agreement and Duration of the Agreement

11.1. This Agreement shall be entered into by the NBCO and the Client in the form of an adhesion contract (Article 428 of the Civil Code of the Russian Federation).

11.2. The Client shall accept the terms and conditions of the Agreement by performing the following actions: — filling out the registration forms on the NBCO’s website including creating Authorization Data; — reading the terms and conditions of this Agreement and executing implicated actions indicating consent to them.

11.3. Acceptance of the terms and conditions of this Agreement shall mean the Client’s full and unconditional consent to all the terms and conditions of this Agreement without any exceptions and/or limitations and shall be equivalent to entering into a written bilateral agreement on the use of the Yandex.Money Service (Clause 3 Article 434 of the Civil Code of the Russian Federation).

11.4. The time allotted for acceptance of the terms and conditions of the Agreement shall be unlimited.

11.5. Non-residents shall provide the NBCO with information on their status of Non-residents of the Russian Federation by the procedure established by the NBCO. Failure by the Client to provide the relevant information when accepting the offer shall be considered confirmation that they are a Resident.

11.6. This Agreement shall be consummated for an indefinite term.

12. Amending and Termination of the Agreement, Termination of the Wallet Use

12.1. The amendments to this Agreement are implemented by accepting the NBCO's corresponding offer by the Client. The NBCO makes an offer for amending this Agreement by posting new version of the Agreement on the NBCO’s Website.

12.2. If the Client does not send written notification to the NBCO within the term specified in sub-clause 12.3. of this Agreement or performs any operations with the Wallet within the specified period, the NBCO's offer on amending this Agreement shall be deemed accepted by the Client in accordance with paragraphs 2 and 3 article 438 of the Civil Code of Russia.

12.3. Should the Client not agree with the amendments to the terms and conditions of the Agreement including the Fees and/or conditions of rendering additional services, the Client shall have the right to unilaterally refuse to fulfill this Agreement within three calendar days after the new revision of this Agreement is posted on the NBCO’s Website including the Fees and/or conditions of rendering additional services.

12.4. The Client shall have the right to refuse to fulfill this Agreement at any time using one of the following methods:

12.4.1. by forwarding the NBCO a corresponding notice by the methods provided for in this Agreement and, except as otherwise agreed upon with the NBCO, this notice shall comply with the form specified by the NBCO. In this case the Agreement shall be deemed terminated upon the expiration of 10 (ten) calendar days after the NBCO receives a corresponding notice;

12.4.2. by executing implicated actions indicating the Client's refusal to fulfill the Agreement in the Wallet's interface on the Operator’s website. In this case, the Agreement shall be deemed terminated at the moment the message about the Wallet's cancellation is available for the Client to view on the Operator’s website. This method of refusing to fulfill the Agreement might be unavailable to Clients in the event of Wallet Blocking, Clients indebted to the NBCO under any obligations, Clients who still have E-money in the balance, as well as in other cases determined at the discretion of the NBCO.

12.5. The refusal to fulfill this Agreement, termination of this Agreement or cessation of this Agreement due to other reasons shall result in the termination of use of the Wallet.

12.6. At the time of termination of the Agreement, the remaining balance of E-money shall be transferred to the Client's bank account opened in a credit organization registered in Russia or to the Client's payment card. Starting from the day the NBCO receives the Client's banking details for the E-money balance transfer, the NBCO shall have between 10 and 60 banking days to return the E-money balance to the Client's bank account/payment card. The NBCO shall determine at its sole discretion the form and methods in and by which the Client shall provide the details and provide the Client with information about it upon the Client's request via the user support service. Should the Agreement be terminated at the initiative of the NBCO, the Client is not charged remuneration for the refund operation excluding where the Client claims for refund of such remaining balance to a bank account in a credit organization established and registered in accordance with legislation of other country than Russia. For the latter cases, the NBCO charges commission in accordance with the Tariffs.

12.7. In case the Client violates the rules of utilizing the e-payment mean with regard to sub-clauses 4.21.1., 4.21.8–4.21.19. of this Agreement, the NBCO shall have the right to unilaterally refuse to fulfill this Agreement by sending the Client a corresponding notice by any method provided for in this Agreement. In this case the Agreement shall be deemed terminated 15 (fifteen) calendar days after the corresponding notice is sent.

12.8. In the event the Wallet Blocking is initiated by the NBCO (on the grounds stipulated by Sub-clauses 4.19.2., 4.19.4., or 4.19.8 of this Agreement) or authorized public authorities, the periods provided for in Sub-clauses 12.4.1 and 12.6 hereof shall begin on the date the Wallet Blocking period ends.

12.9. The login used by the Client under the terminated Agreement shall be unavailable for further use when entering into a new Agreement.

13. Liability of the Parties

13.1. The Parties shall be held liable for improper fulfillment of their obligations in accordance with the legislation of the Russian Federation and the terms and conditions of this Agreement.

13.2. The NBCO shall be liable to the Client for reimbursing to the latter the sum of any transactions performed without the Client’s consent in accordance with the requirements of Article 9 of the law On the National Payment System. If the Client violates the rules of utilizing the e-payment mean set forth by any of Sub-clauses 4.21.1.–4.21.7. of this Agreement, the NBCO has the right not to repay the abovementioned reimbursement. The Client who sends the NBCO a notification in accordance with Section 11 of Article 9 of the law On the National Payment System shall, within one month from the date of sending the above notification, ensure receipt by the NBCO of the Client's application drawn up according to the form established by the NBCO and to the requirements stipulated in Clause 8.1. of this Agreement and provide explanations on the incident. The NBCO shall only consider the issue of reparation of damage resulting from unauthorized access to the Wallet on the basis of such an application. Failure on the part of the Client to fulfill the above obligation of providing the application within the set period shall be considered the Client's withdrawal of the notification initially sent to the NBCO as provided for in this paragraph.

13.3. The NBCO shall not be held liable: 13.3.1. for failures in the operation of email, the Internet, or communication networks occurring due to reasons beyond the NBCO’s control and resulting in untimely receipt or non-receipt by the Client of the NBCO’s notices; 13.3.2. in the case of technical failures (shut-down/disruption of power supply and communication networks, failures in the software of the processing center, and technical failures in payment systems) resulting in the NBCO’s not fulfilling the terms and conditions of the Agreement; 13.3.3. if information on the transactions involving the Wallet or on the Authorization Data of the Client become known to third parties as a result of wiretapping or interception of communication channels during their use; 13.3.4. if information on the transactions involving the Wallet or on the Authorization Data of the Client become known to third parties as a result of the Client’s violation of Sub-clause 4.21 of this Agreement or other instances of the Client’s not following the conditions of storing and using the Authorization Data; 13.3.5. for the Client’s temporary lack of access to communication devices that facilitate use of the Wallet and communication with the NBCO under this Agreement; and for other associated losses of the Client; 13.3.6. for any losses incurred by the Client as a result of Wallet Blocking; 13.3.7. for any losses incurred by the Client and/or by third parties due to an inability to use the Wallet irrespective of the causes of such inability; 13.3.8. for any losses resulting from the Client incorrectly filling-in orders for the performance of transactions; 13.3.9. for any losses resulting from the NBCO specifying an incorrect Wallet/Virtual Account number when depositing/crediting funds to the indicated Virtual Account, when after which they were used by the Client to whose Virtual Account they were credited; 13.3.10. for any losses resulting from the Client’s violation of the established procedure for depositing funds; 13.3.11. for any losses resulting from the Client’s depositing funds whose crediting is not permissible because it would result in an excess of the limits of the E-money balance; 13.3.12. for any losses resulting from the Client’s providing untrue, incorrect, or faulty data for sending notices; 13.3.13. for any losses resulting from the Client’s providing nonfactual identification data; 13.3.14. for any losses resulting from the Client not updating data for sending notices and/or identification data; 13.3.15. for any losses resulting from the NBCO's waiver of this Agreement if such waiver is associated with violation of the rules of utilizing the e-payment mean by the Client.

14. Other Provisions

14.1. The Client shall guarantee that all the terms and conditions of this Agreement are clear to him and that he accepts them fully and unconditionally.

14.2. The Client shall guarantee that he will not use the Wallet for illegal purposes, for purposes that violate the rules of utilizing the Wallet stipulated by this Agreement, and for the purposes other than the ones provided for in this Agreement.

14.3. The Client confirms that he does not have any beneficiaries or beneficial owners and that he is acting solely in his own interests.

14.4. The time of execution of all transactions involving the Wallet shall be Moscow time as determined by the data from the NBCO server that processes information on transactions unless another method of determining the time is stipulated additionally.

14.5. The relationships between the Parties under the Agreement shall be governed by the material and procedural law of the Russian Federation irrespective of the Client’s citizenship and place of residence.

Appendix No. 1 To the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions of Using ‘Hold-for-Pickup Payment’ Service

I. Hold-for-Pickup Payment form the Wallet

1. This section of the Terms and Conditions of use ‘Hold-for-Pickup Payment’ Service (hereinafter referred to as the Terms and Conditions) shall govern the procedure of providing and using electronic means of payment intended for quick transfers (hereinafter referred to as the EMP).

2. When using ‘Hold-for-Pickup Payment’ Service, the Client shall have the right to send to the NBCO an order for transfer of E-money under the condition executed by the NBCO when the Client performs actions specified in Clause 6 of this section of the Terms and Conditions.

3. The order is sent by the Client via the Wallet and should include transfer amount and one of the following recipient's identifiers: email address or phone number. Transfer amount may be limited by the NBCO depending on the type of the Wallet listed in sub-clause 4.1. of the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service.

4. After the NBCO receives the Client's order, the amount specified in it becomes unavailable for the Client until the transfer amount is credited to the recipient's electronic payment mean or the terms specified in Clauses 8 or 9 of this section of the Agreement expire. At the same time, the transfer amount specified in the Client's order does not decrease the amount of the Client's funds accounted and is taken into consideration on calculating the balance limit up to the moment the transfer amount is credited to the recipient's electronic payment mean.

5. The NBCO, having accepted the Client's order for transfer, shall send the recipient a notification of the transfer to the cell phone number or email address indicated in the order. Such notification shall contain a link to the specific page of the NBCO's Website (hereinafter referred to as the Link). Using the Link the recipient can complete actions for the purpose of accepting the transfer. Any actions performed after following the Link shall be deemed performed by the recipient. The NBCO shall not be liable for losses resulting from access to the Link and/or disposal of the transfer by any third parties other than the recipient.

6. Money transferring and crediting to electronic payment mean of the recipient shall be conditional upon the obligatory Identification/Wallet Reviewing of the recipient.

7. After following the Link, transfer recipient can credit the transfer amount either to the existing Virtual account or to the electronic payment mean that he or she will create upon receiving the transfer sent by the Client as stipulated by Quick Payment via Yandex.Money Service terms and conditions. 7.1. The following conditions should be fulfilled for crediting the transfer amount to the recipient's Wallet when receiving a transfer to the Virtual Account in Yandex.Money service: — if the recipient's identifier is a mobile phone number, the recipient should link this phone number to the Wallet provided for him or her as stipulated by the Terms and Conditions of linking a phone number to an account; — if the recipient's identifier is an email address, the recipient should specify this address as a supplementary method of receiving notificaitons about the transfers using the Wallet in accordance with clause 7.4. of the Agreement on Performing Money Transfers without Opening a Bank account via Yandex.Money Service; — if the conditions specified in this clause are fulfilled, the transfer amount is credited to the recipient's Virtual Account and the E-money transfer is deemed accomplished. 7.2. If the transfer is received at the electronic payment mean created upon receiving the transfer sent by the Client as stipulated by Quick Payment via Yandex.Money Service terms and conditions, conditions of managing the received payment means are determined by Quick Payment via Yandex.Money Service terms and conditions.

8. Transfer recipient should complete the actions specified in Clause 7 of the Terms and Conditions within seven days from the moment the NBCO sent the Link. If recipient upsets the specified term, conditions required for executing transfer are considered insufficient, transfer order is canceled, and transfer amount becomes available for the Client—payer.

9. Should the Client-sender create a security code for the corresponding transfer, the relationships between the sender, the NBCO, and the recipient while executing order for transfer shall also be subject to the terms and conditions of the Security Code service. In this case, the term for which the recipient performs the actions stipulated by Clause 6 of this section of the Terms and Conditions equals the security code validity period. Should any discrepancy arise between these Terms and Conditions and the terms and conditions of the Security Code service, the terms and conditions of the Security Code service shall prevail.

10. Payer and recipient of transfer made under ‘Hold-for-Pickup Payment’ Service can only be the clients who underwent the Identification or the Simplified Identification procedure.

11. The NBCO has the right to charge commission for transfers made with the use of ‘Hold-for-Pickup Payment’ Service. The amount of this commission is set forth in the NBCO's Tariffs.

II. Hold-for-Pickup Payment when Adding Money to a Wallet

1. This section of the Terms and Conditions sets out an order of interaction between the NBCO and the Client in case where the E-money cannot be provided to the Client due to exceeding the remaining balance of the E-money (clauses 5.4. and 5.5. of the Agreement).

2. The Client orders the NBCO to create a non-personalized electronic payment mean (hereinafter—EPM) in the cases where the NBCO cannot provide the E-money to the Client's Wallet due to exceeding the E-money balance limit.

3. Identifier of the EPM being created is a mobile phone number linked with the Virtual Account in the Yandex.Money service.

4. The NBCO sends confirmation on creating the EPM and adding money to its balance with a link to a unique page of the NBCO's Site via which managing of the remaining balance amount may be performed (hereinafter—Link). Any actions on managing the E-money performed after following the Link shall be considered as performed by the Client who consent to these Terms and Conditions of use of this EPM.

5. The amount of the e-money accounted for in the EMP cannot exceed 15,000 rubles.

6. The NBCO provides the Client with access to the EPM for managing the remaining balance via its crediting to a banking details or other EPM opened in the NBCO. The amount of the Electronic Funds is subject for a single use in full.

7. The NBCO has the right to charge remuneration when managing the remaining balance. Amount of the remuneration is set in the NBCO's Tariffs.

8. The NBCO's obligation on executing the Client's order undertaken in accordance with clause 6 of these section of the Terms and Conditions shall be deemed properly fulfilled at the moment of crediting money on the correspondent account of the recipient bank or on the Virtual Account in Yandex.Money service. 8.1. If crediting money on the bank account is impossible, the NBCO returns money on the electronic payment mean and notifies the Client about this crediting as stipulated by clause 4 of the section II of the Terms and Conditions no later than on the next business day following the day the money were received from the recipient bank.

9. If the Client did not dispose the remaining balance of the electronic payment mean within two years from the moment the NBCO sent this Client the Link, the NBCO assigns an inactive user status to such Client. This status induces the NBCO to charge a service fee for supporting the electronic payment mean as stipulated by Sub-clause 4.30. of the Agreement. The inactive Client status lasts from the date set by the NBCO to the date the Client disposes the remaining balance of the e-money.

Appendix No. 2 To the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions of the Security Code Service

1. These Terms and Conditions shall determine the procedure for the sender of the transfer creating the Security Code to effectuate the funds transfer that is to be credited by the NBCO to the EMP for future use by the recipient of the transfer, as well as the procedure of use by the recipient of funds transfers protected by the Security Code.

2. The sender, by creating a transfer order in the name of the NBCO with security code, shall have the right to request, via the client-oriented part of the Wallet's interface, that the NBCO provide the possibility for the recipient to dispose of the transfer only after the recipient has entered a special sequence of numbers, i.e. to have a security code created for that transfer. The NBCO, upon receipt of such request from the sender, shall create a security code for the corresponding transfer and communicate it to the sender on the page confirming the order was accepted for fulfillment.

3. The relationships between the sender and the recipient of the transfer that account for the Sender creating a security code are beyond the NBCO's knowledge or control. The NBCO shall not verify the fact of the recipient's consent to create a security code. The above consent shall only be agreed upon between the sender and the recipient.

4. The recipient shall receive the security code from the sender by any method agreed upon by the above parties. The NBCO shall not accept any claims from the recipient of the transfer with a security code related to their non-receipt of the security code or receipt of an invalid security code.

5. The irrevocability of transaction of disposal by the recipient of the transfer with a security code shall take effect when the recipient uses the EMP after having entered the correct Security Code.

6. The transfer protected with a security code shall only be used by the recipient according to the methods that may be accessed through the interface at the moment of accepting the transfer.

7. The NBCO shall establish the following limits on using the Security Code service: — the minimum validity period of the Security Code shall be one day and the maximum, 365 days; — the recipient’s maximum number of attempts to enter the Security Code shall be three.

8. The NBCO's commission charged upon the recipient's disposal of the transfer with a security code shall be 0.5% of the amount of transfer and shall be added to the commission charged by the NBCO in accordance with the Agreement on Money Transfer Without Opening Bank Account Using the Yandex.Money Service.

9. In all other issues not stipulated by these Conditions the Parties shall refer to the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service.

Appendix No. 3 To the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions of Using the Enhanced Authorization

1. The enhanced authorization allows the Client to use additional Authorization details for providing further security for transfers via the Yandex.Money service.

2. The Client uses the enhanced authorization at his/her own instance or (in the cases provided in the second paragraph of sub-clause 4.23. of the Agreement of Making Transfer without Opening an Account using the Yandex.Money Service) by the NBCO's demand, or it may be active by default in accordance with the NBCO's mobile app functionality. The enhanced authorization methods specified in sub-clauses 3.1. and 3.2. are mutually exclusive and supplementary to ordinary authorization. This methods may be selected under the E-wallet preferences. The enhanced authorization method specified in sub-clause 3.3. does not require separate implementation and is enabled for any Client with the NBCO's app as an alternative (by the Client's choice) to previously selected advanced authorization method.

4. The following methods of receiving the enhanced authorization have been provided for: 4.1. One-time text message passwords A unique one-time transaction confirmation code is sent to the cell phone number linked to a Yandex.Money account. 4.2. One-time password from the application: A unique one-time password generated by the NBCO's application for mobile devices or other application previously linked to the Wallet and that is compatible with the Operator's software. 3.3. Push authorization via the NBCO's mobile app.

If the operation is performed via a web interface (including mobile web interface), in order to confirm this operation, the Client receives a push notification with details of the transfer/action subject for confirmation and with a suggest for such confirmation to the mobile phone with the NBCO's app installed.

4. The NBCO is entitled to charge fees for use of the advanced authorization, which amount is set forth by the NBCO's Fees.

5. Multiple change of the enhanced authorization method is allowed.

6. The NBCO has the right to demand from the Client using of a certain type of the enhanced authorization.

7. The Client using the enhanced authorization methods specified in sub-clauses 3.1. and 3.2. shall have the right to receive an emergency code chart—a page from the NBCO's website that contains 10 codes in the form of combinations of digits and Latin alphabet letters. The Client must enter a one-time password and the emergency code chart should be authenticated by the NBCO before the emergency code chart can be displayed. Emergency codes may be used by the Client as EHS together with one-time passwords.

8. An emergency code chart may be presented to the Client upon request any number of times according to the procedure set forth in Clause 9 of this Appendix. Moreover, every time the Client requests a new emergency code chart, the emergency codes unused by the Client from the chart issued earlier become invalid.

9. Canceling the One-time Passwords service shall only be permitted upon the NBCO's consent.

Appendix No. 4 to the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions for Linking a Cell Phone Number to an Account

1. The option of linking a cell phone number to a Virtual Account shall be available for the Clients of the Yandex.Money Service from the moment the Client activates the service until the moment they stop using it.

2. Linking a cell phone number to an account shall be carried out as follows: 2.1. when accepting the terms and conditions of the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service or on a designated page of the Yandex.Money Service website, the Client enters the cell phone number which they intend to link to their Virtual Account, agrees to the terms and conditions of linking the cell phone number to the account, and confirms this consent by the fact of accepting the terms and conditions of the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service or (in the case of linking the cell phone number on a designated page of the Yandex.Money Service website) by the authorization method used by the Client; 2.2. after processing the request for linking the cell phone number to the Virtual Account, the NBCO sends an SMS text message with a linking confirmation code to the cell phone number indicated by the Client; 2.3. the Client enters the linking confirmation code on the designated page of the NBCO’s Website. From the moment of confirmation, the cell phone number link shall be deemed activated.

3. The Client shall be able to link up to 10 cell phone numbers to their Virtual Account. When several numbers are linked to the account, only one of them, indicated by the Client as the primary one, shall facilitate use of the options provided for in Clause 8 of these Conditions.

4. The Client shall be able to link up to 10 Virtual Accounts to one cell phone number. By linking one cell phone number to several Virtual Accounts the Client agrees that all those accounts shall be recognized as belonging to him. Such linking, however, shall not result in the corresponding Virtual Accounts being recognized as personalized electronic payment instruments.

5. By linking a cell phone number to a Virtual Account the Client shall guarantee that each of the linked cell phone numbers belongs to them and not to third parties.

6. The Client shall have the right at any time to recall use of one or several linked cell phone numbers.

7. Cancellation of the link to one or several cell phone numbers shall be carried out as follows:

on the designated page of the NBCO’s Website, where the service may be activated and deactivated, the Client selects the option Delete Number and confirms his intent by the authorization method used by the Client;

when the primary cell phone number is deleted, the next cell phone number on the list of the linked cell phone numbers shall become the primary one;

deleting the only linked cell phone number shall not be possible.

8. Linking a cell phone number to a Virtual Account shall enable the Client to do the following: 8.1. Receive official notices from the NBCO to the linked cell phone number. The Client agrees that the NBCO shall have the right to send any notices related to the activity of the Yandex.Money Service to the linked cell phone number, and upon sending of such notices the Client shall be deemed sufficiently notified in the instances when the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service requires that the Client be notified by the NBCO; 8.2. Use the linked cell phone number for recovering their payment password. The Client shall initiate recovery of the payment password on the designated page of the NBCO’s Website via an SMS text message sent to the linked cell phone number. After processing the request, if the NBCO finds that the above conditions are met, the NBCO shall send the Client an SMS text message with a payment password recovery code to their linked cell phone number; it shall be necessary to enter the code on the page of the website intended for recovering payment passwords. In the case that the above conditions are not met, the NBCO shall notify the Client on the main page of the NBCO’s Website that the request for recovering the payment password has been declined. 8.3. Send orders for transfers as stipulated by the Sub-clause 4.9.3. hereof.

9. The Client understands and agrees that until they cancel the link, they shall bear the risks of possible losses associated with the Loss of Access to the linked cell phone number; the physical loss of the cell phone; the loss of the SIM card of the linked cell phone number; access by third parties to the cell phone number, the cell phone with the SIM card of the linked cell phone number, or the contents of SMS text messages.

Appendix No. 5 to the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions of Providing SMS Text Message Updates

1. The SMS Text Message Updates service shall allow the Client to receive information on Wallet transactions in the Yandex.Money Service as an SMS text message to the cell phone number that is linked to the corresponding Wallet; the cell phone number may be associated with any mobile operator. The service shall be deemed properly rendered as of the moment an SMS text message update on the transaction is successfully delivered from the NBCO Yandex.Money LLC (from a third party engaged by it) to the SMS text message-center of the Client’s mobile operator, given the cell phone number linked to the Client’s Wallet is correctly indicated to the operator.

2. When the NBCO provides the Client with the corresponding technical facility, the Client is entitled to determine (activate/disable) the types of operations for which the SMS text message notices are sent (in accordance with the list set out by the NBCO).

3. The service shall be activated by subscription to the service.

4. The Client’s Authorization Data (logins, passwords) shall not be transmitted in SMS text message updates. Only the following data shall be transmitted: number of the Wallet/Virtual Account, type, and sum of the transaction.

5. The Client agrees to let the NBCO transmitting the data specified in Clause 4 of these Conditions, which shall be included in the SMS text message updates to third parties who participate in the transmission of messages.

6. The number of SMS text message updates during the effective period of the subscription shall not be limited.

7. The Client knows and agrees that SMS text message updates on transactions can only be delivered if the Client’s cell phone is switched on and is in the mobile operator’s coverage area. In the case that the Client cannot receive SMS text message updates on transactions for the reasons stipulated by the present clause, NBCO Yandex.Money LLC shall be deemed to have successfully fulfilled its obligation to notify the Client of the performed transaction provided NBCO Yandex.Money LLC has performed the actions stipulated by paragraph two of Clause 1 of these Terms and Conditions.

8. The validity period of a subscription shall be determined by the Client upon signing up to it in accordance with the options the NBCO provides.

9. The service cost is set forth by the Tariffs and includes 18% VAT. The cost of the service shall be debited from the Virtual Account of the corresponding Client the moment the subscription is activated. Following the first payment, the service may be paid for as stipulated by Sub-clause 4.9.3. hereof, if there is a technical capability and corresponding information on the NBCO's Website. If the remaining balance of E-money is insufficient for paying for a service, and the Client sends a text message with the transfer confirmation code, the Parties shall consider such text message as the Client's order for adding the deficient sum to the Wallet from the bank card linked to the Virtual account as stipulated on the Webpage and as the Client's order for paying for the service.

10. In the case of non-use of the Wallet/Virtual Account after activation of the subscription to the SMS text message updates service and/or in the case where the client disables certain types of operations notified about by the SMS text messages, and, as a result, full or partial lack of SMS text message updates, the cost of the service shall be neither reimbursed nor recalculated.

Appendix No. 6 to the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

Terms and Conditions of Providing the Professional Account Service

1. The Professional Account service (the ‘Service’) shall be an addition to the terms and conditions of the rendering of services agreed upon by the Parties in the Agreement on Making Funds Transfers Without Opening a Bank Account Using the Yandex.Money Service (the ‘Agreement’).

2. The Service can be provided to any Client that has undergone the Identification process no less than three months prior, and has linked a cell phone number to their Virtual Account with regard to which the Service is provided if the Client agrees to these Conditions.

3. The Service shall be activated by changing the service mode for the Virtual Account. The NBCO shall have the right to request at its own discretion that the particular Client intending to activate the service submits a corresponding written application by any of the methods provided for in Sub-clauses 8.1.1., 8.1.3., or 8.1.4. of the Agreement.

4. By requesting the Service, the corresponding person agrees, for the entire period of the use of the Service, to the NBCO processing his personal data (full name, registered address of the place of residence (location) for the purposes of fulfilling these Terms and Conditions, including providing said data to third parties, in the case that all of the following circumstances are met: — the Client requesting personal data of the owner of the Professional Account has, within thirty calendar days before such a request, made an Electronic Money transfer in the latter’s favor; — the Client requesting personal data of the owner of the Professional Account has filed a claim to the latter using the Yandex.Money Service interface and has not used his right to recall the filed claim within fourteen days after its filing; — the owner of the Professional Account has not fully satisfied the claim within fourteen days upon its receipt, i.e. has not returned to the claimant, within the above indicated period, the sum of Electronic Money received from him using the Yandex.Money Service.

5. Claim procedure: 5.1. the Client who has made an E-money transfer in favor of the owner of the Professional Account shall have the right, within thirty (30) calendar days from the date of transfer, to file a claim to the owner of the Professional Account with regard to the transfer using the tools of the Yandex.Money Service; 5.2. the owner of the Professional Account shall be obligated to respond to the claim within fourteen (14) calendar days upon receipt of the claim; 5.3. the owner of the Professional Account shall have the right to satisfy the full claim by returning E-money to the corresponding Client. In addition, it shall be necessary to return the sum of the NBCO’s fee that was paid by the Client when they transferred E-money in favor of the owner of the Professional Account. When E-money is returned the NBCO shall not charge a fee from the owner of the Professional Account or from the Client to whom E-money is returned; 5.4. in the case of refusal to satisfy the claim, the Client shall have the right to request that the NBCO provide the Client with information about the owner of the Professional Account that is sufficient for seeking protection of their rights from the court; 5.5. a Client who has filed a claim shall have the right to recall it at any time.

6. The owner of a Professional Account shall have the right to stop using the Service in accordance with the terms and conditions of this Clause. 6.1. Cancelation of the Service shall be possible in the case that there are no claims to be considered according to the procedure provided for in Clause 5 of these Terms and Conditions. 6.2. Cancelation of the Service can be performed no earlier than the thirty-second day after the last E-money transfer was made by Clients to the Professional Account. 6.3. Cancelation of the Service shall be carried out by sending an application to the NBCO in the form and according to the procedure established by the NBCO.

7. The NBCO is entitled to suspend using the Service by the Professional unilaterally at their own discretion. The NBCO notifies the Professional about such suspension as stipulated by sub-clause 7.10.3. of the Agreement.

8. The NBCO shall have the right to unilaterally make amendments to the Conditions of providing the Professional Account service having notified the owner of the Professional Account by posting corresponding amendments on the NBCO’s Website.

Appendix No. 7 to the Agreement on Making Funds Transfers without Opening a Bank Account Using the Yandex.Money Service

1.1. These Terms and Conditions of Issuing, Servicing, and Using Pre-paid Yandex.Money Virtual Bank Card (hereinafter—‘Terms and Conditions’) determine conditions for entering into the contract on using pre-paid Yandex.Money virtual bank card between an individual and the NBCO.

1.2. The Terms and Conditions are an offer of the NBCO to enter into the contract on using pre-paid Yandex.Money virtual bank cards addressed to individuals of 14 years old or older.

2. Terms and Definitions

2.1. For the purposes of these Terms and Conditions the below terms shall be in the following meanings: Authorization—a procedure of acquiring the NBCO’s permission for executing operation with the use of the Card’s details through verifying whether the Client’s Virtual Card balance of electronic funds is sufficient for this operation. This procedure further evokes the NBCO’s obligation to execute the Client’s order transmitted using the Card’s details. Block—seize of the Card’s use, which means forbidding any operations using its details. Contract——contract on using pre-paid Yandex.Money virtual card entered into between the Client and the NBCO under these Terms and Conditions. Card (Yandex.Money virtual card—a non-personalized pre-paid virtual card that is issued by the NBCO in compliance with Russian legislation and MasterCard payment system rules, that does not have a physical form, and that is used by the Client for transferring the Electronic Funds and refunding remaining balance of the Electronic Funds within the amount of funds preliminary provided by the Client and accounted by the NBCO on the Virtual Account. Client (the Card’s owner)—a natural person of 14 years old or more that has entered into the Agreement and the Contract. Payment Limit—an amount of funds available for the Client for performing operations using the Card’s details. The Limit equals the Client’s remaining balance of the Electronic Funds accounted on his or her Virtual Account in accordance with the Agreement. Agreement—an agreement on transferring funds without opening bank account using the Yandex.Money service entered into between the Client and the NBCO. Parties—the NBCO and the Client. Tariffs—a list of remuneration types and their amounts that are due to the NBCO for executing transfers of the Electronic Funds, executing other transfers without opening bank account, issuing and servicing the pre-paid card, and providing other services stipulated by contracts entered into between the Client and the NBCO. MasterPass—an online payment service provided by MasterCard payment system that allows paying for goods/works/services. Information about the service is posted on the site of MasterCard payment system.

2.2. Other terms and definitions not mentioned in clause 2.1. of the Terms and Conditions should be read in the terms set forth by the Agreement.

3. Procedure of Entering into the Agreement and its Subject

3.1. In accordance with the Contract entered into between the Parties under conditions of these Terms and Conditions, the NBCO undertakes to issue the Card to the Client, perform its servicing, settle operations performed with the Card’s details, while the Client undertakes to pay for the rendered services according to the Tariffs.

3.2. The Agreement entered into between the Client and the NBCO is applied to relations of the Parties in so far as it is not at variance with these Terms and Conditions.

3.3. The Card may be issued by one of the following methods: 3.3.1. When the Client pays for goods/works/services via MasterPass service 3.3.2. When funds amounting more than 4,000 (four thousand) rubles are being provided to the NBCO for adding to remaining balance of the Electronic Funds, excluding the funds provided using Maestro, Electron, and Cirrus cards issued by Sberbank PJSC 3.3.3. When the Client without an active Card places an order for issuing the Card using the Wallet 3.3.4. When the Client applies for issuing the Card via a special application that is administered by the NBCO. 3.3.5. When authenticating the Client in the NBCO's mobile app installed on a device running Android.

3.4. If the Client performs any action specified in sub-clauses 3.3.1.-3.3.5. of the Terms and Conditions, it shall be deemed the Client’s offer on entering into the Contract upon conditions stipulated by these Terms and Conditions addressed to the NBCO. By making the offer, the Client unconditionally accepts all conditions of these Terms and Conditions without exceptions or restrictions according to conditions of accessing the contract (article 428 of the Civil Code of Russia).

3.5. The Client’s offer is considered accepted by the NBCO and the Contract is considered entered into if the Card is issued.

3.6. The Parties ensure each other that each of them possesses all legal capacity as well as other rights and powers necessary and sufficient for entering into and performing under the Contract as stipulated by the Terms and Conditions.

4.1. The Client can use the Card for applying its details (or other Card's identifiers according to the MasterCard payment system rules) to transferring the Electronic Funds and refunding of the Electronic Funds’ remaining balance (its part) within the amounts preliminary provided by the Client and accounted by the NBCO. The Electronic Funds balance of the Card owner may be increased by transferring money to this Card’s details.

4.2. Using the Card’s details (or other Card's identifiers according to the MasterCard payment system rules), the Client can withdraw cash and transfer funds to bank accounts and electronic payment means including bank cards of individuals and legal entities in order to pay for, inter alia, goods (works, services, intellectual property). Debit operations with the Card are only allowed when the Client receives the Card’s CVC/PIN and number/expiration date. Scope of allowed operations depends on the Client’s identification status (identified/reviewed) as stipulated by Federal Law #115-FZ Concerning the Counteraction of the Legitimization of Proceeds of Crime and the Financing of Terrorism dated 7 August 2001 as well as on the Card's particular method of issue stipulated by sub-clause 3.3. of the General Terms and Conditions and is posted on the NBCO’s Website. Types of operations allowed for the Client and their parameters depend on the restrictions set by the Client for operations (if applicable).

4.3. Maximum amounts for operations using the Card’s details (or other Card's identifiers according to the MasterCard payment system rules) are posted on the NBCO’s Website. These amounts should not exceed the values set forth by the Russian legislation depending whether the Client is/is not identified/reviewed.

4.4. CVC/PIN and the Card’s number/expiration date is sent via text message to the Client’s phone number linked to his or her Virtual Account as stipulated by the Agreement. The NBCO shall not be liable if the Client does not have such link and for any consequences it may cause. And the Card’s number is viewed on the Client’s Wallet within 1 (one) business day after the date the following action took place: — entering into the Contract when issuing the Card if the Client performs actions specified in sub-clause 3.3.3., 3.3.4., or 3.3.5. of the General Terms and Conditions — sending the Client’s request via the Wallet when issuing the Card if the Client performs actions specified in sub-clauses 3.3.1. or 3.3.3. of the Terms and Conditions; the option of sending such request becomes available within 1 (one) business day following the day the Contract was entered into. Number of the Card issued as provided for by Sub-clause 3.3.5. of the General Terms and Conditions is viewed in the masked form (as a part of the number) only in the NBCO's mobile app running Android. The Card expires on the last day of the month specified in the text message inclusively. The Client changes the PIN under the Wallet interface. The Client is entitled the change the PIN once a day at most. The change of the PIN is additionally confirmed with a text message sent to the Client's phone number linked with the Virtual Account.

4.5. Procedure of performing operations using the Card’s details (or other Card's identifiers according to the MasterCard payment system rules) is stipulated by MasterCard payment system’s rules. The Card’s details provided when making operations in the Internet in the volume specified by MasterCard payment system’s rules, or other Card's identifiers stipulated by the MasterCard payment system rules, shall be deemed the Client’s order for transferring the Electronic Funds (its remaining balance) and sufficient authorization details for authorizing the Client to manage the Electronic Funds on the Virtual Account as stipulated by clause 4.9. of the Agreement. The Parties shall acknowledge the specified authorization details as an equivalent of the Client’s handwritten signature, whose usage shall evoke all legal consequences stipulated by the Agreement.

4.6. Operations performed in accordance with clause 4.5. of the Terms and Conditions are deemed performed by the Clients and are not subject to disputing except for the case specified in clause 7.3. of the Terms and Conditions.

4.7. A body who is not the Card’s owner is forbidden from performing operations using its details.

4.8. Operations using the Card’s details can only be performed with a preliminary Authorization.

4.9. Settlements for the operations using the Card’s details with a preliminary Authorization are executed as follows: 4.9.1. When the Client performs an operation with the Card’s details, the NBCO receives a request for the operation’s Authorization. The NBCO authorizes the operation only if the Payment limit is sufficient to satisfy the operation amount and the remuneration amount due for this operation according to the Tariffs. 4.9.2. To provide further settlements, when the operations is authorized, the NBCO decreases the Card’s payment limit by the amount of the authorized operation for the time period set forth by MasterCard payment system rules but no longer than for 30 (thirty) days. If payment-clearing information is not sent to the NBCO within this term as stipulated by 4.9.3. of the Terms and Conditions, the amount of the authorized operation becomes available to the Client. 4.9.3. The NBCO transfers remaining balance (its part) of the Electronic Funds equaling the authorized operation amount after receiving notice that the clearing has been done in accordance with MasterCard payment system rules. The Electronic Funds’ remaining balance (its part) may be transferred after expiration of the term specified in sub-clause 4.9.2., which is not a subject for disputing the authorizing operation by the Client.

4.10. If an operation made using the Card’s details is in foreign currency, the currency exchange rate applied for converting funds from currency of the operation to Russian rubles is the MasterCard payment system’s exchange rate increased by 2.5% (two point five per cent) with the following dates for the exchange calculations: — the Authorization date for calculating the amount debited from the Payment Limit when authorizing the operation — date of processing the operation by MasterCard payment system for calculating the Electronic Funds balance (its part) due to transferring by the NBCO under the Authorized operation. The NBCO has no effect on how MasterCard payment system sets out currency exchange rate. The Client cannot dispute the difference between the amount deducted from the Payment Limit when authorizing the operation and the Electronic Funds transferred by the NBCO under the Authorized operation that emerges because of the currency exchange rate discrepancy on the dates of the operation Authorization and the Electronic Funds balance transfer.

4.11. The Client is not allowed to do the following when using the Card: 4.11.1. keep the Card’s details in the places and/or in the manner that allows the third parties to get access and/or to copy the Card’s details 4.11.2. ask the third parties for assistance in performing of operations using the Card's details 4.11.3. perform operations using the Card’s details in the Internet via someone else’s personal electronic device (PC, smartphone, tablet, communicator etc.) or an electronic device for which licensed anti-virus software is not installed or timely updated, or is deactivated 4.11.4. install counterfeit software (applications) on his or her mobile phone or other device used for receiving messages under 3D Secure servicing 4.11.4. install counterfeit software (applications) on his or her mobile phone or other device used for receiving messages under 3D Secure servicing 4.11.5. share information on the CVC to the third parties during conversation including phone talk or correspondence intercourse 4.11.6. allow the third parties access to the Card’s details (including the Card’s number and/or its expiration date and/or CVC) or one-time personal codes received under 3D Secure servicing 4.11.7. share information about the Card, phone number used for receiving confirmation codes, or operation history via the Internet. Provisions of this Sub-clause 4.11 shall be deemed as the conditions of use of the electronic payment mean.

4.12. The Parties perform information interaction, including notifying the Client on executing operations using the Card’s details, as stipulated by clause 7 of the Agreement. The NBCO also supports the Clients with information on use of the Cards at phone number: +7 800 555‑80‑99, +7 (495) 500‑55‑50.

5. Rights and Obligations of the Parties

5.1. The Client’s rights and obligations: 5.1.1. The Client undertakes to review the provisions of the Terms and Conditions timely and at full. 5.1.2. The Client undertakes to preserve the Card’s details confidentiality. 5.1.3. The Client shall have the right to claim for canceling the Card via the Wallet at any moment throughout the Card’s validity period. 5.1.4. The Client undertakes to provide documents by the NBCO’s or the Card Issuer’s request timely and at full where provided by Russian legislation and these Terms and Conditions. 5.1.5. The Client undertakes to stick with the order of use of the electronic payment mean set forth by the Agreement when performing operation using the Card’s details. 5.1.6. The Client undertakes to notify the NBCO immediately if the Card’s details or other information that allows performing operations with the Card’s details without the Client’s permission has been/is believed to be stolen/compromised as stipulated by clause 4.13. of the Terms and Conditions. If the NBCO is not the Card Issuer, noticing the NBCO in accordance with this sub-clause is also deemed noticing the Card Issuer. The Card Issuer executes the Card Block upon receiving the notice indicated in this sub-clause. 5.1.7. If an operation performed with the Cards details without the Client’s permission was detected, the Client undertakes to immediately notify the NBCO about this operation as prescribed in clause 4.12. of the Terms and Conditions no later than on the next day after receiving the NBCO’s notification on the operation execution. If the NBCO is not the Card Issuer, noticing the NBCO in accordance with this sub-clause is also deemed noticing the Card Issuer. 5.1.8. The NBCO undertakes to keep all documents concerning the operations with the Card’s details for 6 (six) months from the date of the operation execution and to provide the NBCO and the Card Issuer with these documents upon the first request for confirming the operations execution legitimacy and for settling disputable situations. 5.1.9. Shall the Electronic Funds remaining balance be insufficient for debiting monetary funds under the authorized operation or for debiting the amounts specified in sub-clause 5.2.2. of the Terms and Conditions, the Client undertakes to repay this debt within 3 (three) days from the moment the NBCO sent the corresponding demand as stipulated by clause 4.12. of the Terms and Conditions.

5.2. The NBCO’s rights and obligations: 5.2.1. The NBCO undertakes to provide a service for the Card and settle the operations performed using its details in accordance with current Russian legislation, regulatory acts of the Bank of Russia, the NBCO’s bank rules set out in accordance with these acts, customary business practices, and MasterCard payment system’s rules of work. 5.2.2. The NBCO has the right to debit remaining balance of the Electronic Funds without a complementary Client’s order with the following amounts: 5.2.2.1. the amount of the NBCO’s remuneration for servicing the Card and settling operations using the Card’s details in according with the Tariffs 5.2.2.2. the amounts connected with prevention and investigation of unlawful use of the Card/its details, as well as commissions of the MasterCard payment system charged for reviewing the Clients claim for refund 5.2.2.3. the operation amounts credited by the NBCO to the Virtual account under the operations that were disputed and recognized as unproven after the investigation 5.2.2.4. the amount of the transfer credited to the Card from other card, whose owner had disputed this operation and the transfer amount has been returned to him or her in accordance with the rules of MasterCard payment system. This Sub-clause 5.2.2. statement is deemed equal to the Client’s pre-authorization for reducing the Electronic Funds balance at the NBCO’s request. 5.2.2.5. the amount of the authorized operation for which the Cards Payment Limit was decreased and then refunded by the NBCO as stipulated by Sub-clause 4.9.2. of these Terms and Conditions if, after refunding the Payment Limit, the NBCO did not receive information about clearing of this operation. 5.2.3. The NBCO undertakes to consider the funds credited to the Card’s details as the Electronic Funds of the Card owner, except for the Cards issued as provided for by Sub-clause 3.3.5. 5.2.4. The NBCO undertakes to inform the client on every operation performed with the Card’s details as stipulated by the Agreement. 5.2.5. The NBCO allows the User to send notices on loss/compromising of the Card’s details and on performance of operations with the Card’s details without the Client’s authorization as stipulated by the Agreement. 5.2.6. The NBCO undertakes to process the Client’s claims concerning disputing of the operations performed with the Card’s details within 30 (thirty) days or within 60 (sixty) days for the cases where the Card’s details was used for cross-border transfer from the date the Client’s written claim and required documents are received as stipulated by the Agreement. The claims of the Clients concerning disputing operations with the Cards shall be processed as set out by the rules of the MasterCard payment system and their processing may take up to 540 (five hundred forty) days. 5.2.7. When issuing and servicing the Cards, the NBCO undertakes to conform with Russian legislation, regulatory acts of the Bank of Russia, the NBCO’s/the Card Issuer’s internal documents, and MasterCard payment system’s rules. 5.2.8. The NBCO has the right to block the Card without notifying the Client in the following cases: 5.2.8.1. the Client fails to perform his or her obligations or performs them improperly, including if the Client has an outstanding debt to the NBCO 5.2.8.2. the Client has sent the notifications specified in sub-clauses 5.1.6. and 5.1.7. of the Terms and Conditions 5.2.8.3. the NBCO suspects the Card’s details may be compromised, or the Card may have been used without the Client’s authorization. The Card Block is canceled when the conditions specified in this sub-clause 5.2.8. cease to be effective. The Card Block may be cancelled by the NBCO or by the Client after consultation with the NBCO and in accordance with the procedure specified on the NBCO’s Site/on the Client’s Wallet. 5.2.9. The Card Issuer/the NBCO has the right to decline execution of the Client’s operation with the use of the Client’s details in the following cases: 5.2.9.1. the operation performed with the Card’s details contradicts with execution order of this operation set forth by the NBCO or MasterCard payment system, effective Russian legislation, including if the NBCO suspects this operation is performed for the purposes of money laundering or terrorist financing 5.2.9.2. the NBCO suspects the operation is connected with doing business by the Client 5.2.9.3. the Wallet is blocked in accordance with the Agreement 5.2.9.4. the Client did not provide the documents requested by the Card Issuer or the NBCO in accordance with the Terms and Conditions and effective Russian legislation 5.2.9.5. by the moment of the Authorization, the Client’s payment limit is insufficient for covering the operation amount and the NBCO’s remuneration due according to the Tariffs 5.2.9.6. the operation amount exceeds the limits set forth by law or the NBCO according to clause 4.3. of the Terms and Conditions. 5.2.10. This NBCO is entitled to decline entering into the Contract with the Client.

5.3. Peculiarities of executing operations with the Card via MasterPass are the following: 5.3.1. The Card Issue upon the Client’s payment for goods/services/works via MasterPass comes with viewing the masked Card’s number and expiration date in the course of the payment. 5.3.2. Order of executing operations with the Card’s details via MasterPass service is stipulated by MasterCard payment system’s rules and allows reduced volume of the Card’s details required for operation execution. Viewing the masked Card number and execution date are considered as the Client’s details required for authorization as stipulated in clause 4.5. of these Terms and Conditions. When performing operation with the Card via MasterPass service, CVC information is not requested.

5.4. Particularities of performing operations using the Card issued as provided for by Sub-clause 3.3.5. of the General Terms and Conditions: 5.4.1. The Card is only used for transferring the E-money via a mobile device and with the use of the MasterCard PayPass banking payment technology 5.4.2. money transfer to the Card's account for increasing the E-money remaining balance is forbidden 5.4.3. transfer of the E-money using any other method except for the one provided for by Sub-clause 5.4.1. of the General Terms and Conditions is forbidden.

6.1. The Client is charged remuneration for the services provided under this Terms and Conditions. Procedure of charging this remuneration and its amount are set forth in the Tariffs.

6.2. The Tariffs are posted on the NBCO’s Site. The Tariffs are amended as stipulated by clause 8.1. of the Terms and Conditions.

7. Liability of the Parties

7.1. The Parties shall be liable for non-fulfilment or improper fulfilment of their obligations in accordance with Russian legislation and provisions of these Terms and Conditions.

7.2. If the Card’s details are lost or compromised, the Client is liable for all operations performed with the Card’s details up to the moment the NBCO receive the Client’s notice on loss/compartmentation of the Card’s details stipulated by Sub-clauses 5.1.6., 5.1.7.

7.3. The NBCO refunds amounts of the Client’s operations performed with the Client’s details without the Client’s permission in accordance with article 9 of the Federal Law #161-FZ dated 27 June 2011 “Concerning the national payment system” in the order stipulated by the Agreement excepting when the Client has violated the agreements for the Card use and(or) the agreements for the Wallet use set forth by the Agreement and these violations has caused performing of an operation without the Client’s authorization.

7.4. The NBCO shall not be liable for the following: 7.4.1. a third party declined settling an operation the Card’s details; if the Card is issued under a joint campaign by the NBCO and its partners, the NBCO shall not be liable for the partner’s providing/non-providing additional services to the Client 7.4.2. in case of technical malfunction (power/communication networks fail/off, processing center software bugs, and payment systems malfunctions) that caused disregard of the Contract’s provisions by the NBCO 7.4.3. information about operations performed with the Card, its details/identifiers comes to knowledge of other persons as a result of wiretapping 7.4.4. information about operation performed with the Card, its details/identifiers comes to knowledge of other persons as result of the Client’s violating clause 4.11. of these Rules and Conditions or other non-compliance with the order of the Card’s use by the Client 7.4.5. losses that arise from the Card Block or from the NBCO’s decline to execute an operation on the grounds set out by this Terms and Conditions. 7.4.6. the Client temporary had no access to the communication means that provide the Card usage and the interaction with the NBCO under this Terms and Conditions, and any losses this might cause; 7.4.7. malfunction of email service, internet, or communication networks occured due to reasons beyond the NBCO's control, which prevented the Client to receive the NBCO's notifications timely or receive them at all.

8. Termination and Alteration of the Contract

8.1. Amendments to the Contract are made via the Client’s offer of the corresponding NBCO’s offer. The NBCO sends the Client an offer on making amendments to the Contract via posting up-to-date version of the Terms and Conditions on the NBCO’s Site.

8.2. In accordance with paragraphs 2 and 3 article 438 of the Civil Code of Russia, if the NBCO does not receive the Client’s written notification on unilateral repudiation of the Contract within the term stipulated by clause 8.3. of the Terms and Conditions, or if the Client performs any operation with the Card’s details within the denoted term, it is deemed the Client has accepted the NBCO’s offer on amending the Contract.

8.3. If the Client does not want to accept the NBCO’s offer on amending the Contract, the Client has the right unilaterally to repudiate the Contract in accordance with clause 8.4. of the Terms and Conditions within three calendar days from the moment the new version of the Terms and Conditions was posted in the NBCO’s Site.

8.4. The Client has the right to repudiate the Contract at any moment by sending a corresponding notice to the NBCO using the methods stipulated by the Agreement or by filing an application for canceling the Card in the order stipulated by sub-clause 5.1.3. of the Terms and Conditions.

8.5. If the Client violates terms and conditions of use of the Card stipulated by the Contract or legislation, the NBCO has the right to repudiate the Contract by sending the corresponding notification to the Client using one of the methods stipulated by the Agreement.

8.6. The Card usage is terminated within the following terms: 8.6.1. no later than the second business day following the day the NBCO received the Client’s notification on repudiation of the Contract 8.6.2. no later than the second business day following the day the NBCO sent the notification on repudiation of the Contract to the Client 8.6.3. no later than the first business day following the day the NBCO received the Clients application for canceling the Card 8.6.4. on the day of termination of the Agreement.

8.7. The Contract entered into between the Parties and obligations arising from this Contract cease to exist in 180 (one hundred eighty) days after occurring one of the following events/committing one of the following actions: 8.7.1. expiring of the Card 8.7.2. receiving the Client’s notification on repudiation of the Contract or canceling the Card 8.7.3. sending notification on repudiation of the Contract by the NBCO to the Client 8.7.4. terminating of the Agreement.

8.8. The NBCO can provide settling of operations performed with details of the Card whose validity period has not run out within the term set out in clause 8.7. of the Terms and Conditions and may not by disputed by the Client.

9. Additional Provisions

9.1. The NBCO provides the Client with all public information via its posting on the NBCO’s Site.

9.2. Relations of the Parties concerning transferring the Electronic Money and remaining balance of the Electronic Money, providing money to the NBCO by the Client, conditions of using of the Client’s personal information, disputes managing, procedure of completing identification/simplified identification, or other relations of the Parties not regulated by these Terms and Conditions are regulated by the Agreement and Russian legislation.

9.3. All disputes and disagreements that may arise from these Terms and Conditions shall be resolved by a regular court at the NBCO’s location.

9.4. The time of execution of all transactions involving the Wallet shall be Moscow time as determined by the data from the NBCO server that processes information on transactions unless another method of determining the time is stipulated additionally.